The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$34,836
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,920
−HK$1,101/mo
Today · 4.125%
HK$37,021
baseline
▲ 0.50% · 4.625%
HK$39,274
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,042/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,755
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,795
−HK$1,054/mo
Today · 4.125%
HK$40,849
baseline
▲ 0.50% · 4.625%
HK$43,002
+HK$2,153/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,698/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,804
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,104
−HK$1,321/mo
Today · 4.125%
HK$44,425
baseline
▲ 0.50% · 4.625%
HK$47,128
+HK$2,703/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,850/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,506
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,754
−HK$1,265/mo
Today · 4.125%
HK$49,019
baseline
▲ 0.50% · 4.625%
HK$51,603
+HK$2,584/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,038/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,771
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,288
−HK$1,541/mo
Today · 4.125%
HK$51,829
baseline
▲ 0.50% · 4.625%
HK$54,983
+HK$3,154/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,658/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,257
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,712
−HK$1,477/mo
Today · 4.125%
HK$57,189
baseline
▲ 0.50% · 4.625%
HK$60,203
+HK$3,014/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,378/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,706
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,656
−HK$1,982/mo
Today · 4.125%
HK$66,638
baseline
▲ 0.50% · 4.625%
HK$70,693
+HK$4,055/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,276/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,759
−HK$3,769/mo
▼ 0.25% · 3.875%
HK$71,630
−HK$1,898/mo
Today · 4.125%
HK$73,528
baseline
▲ 0.50% · 4.625%
HK$77,404
+HK$3,876/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,056/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,904 · Scale 2, in force from 26 Feb 2026)