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$34,897
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,982
−HK$1,103/mo
Today · 4.125%
HK$37,085
baseline
▲ 0.50% · 4.625%
HK$39,342
+HK$2,257/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,170/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,822
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,864
−HK$1,056/mo
Today · 4.125%
HK$40,920
baseline
▲ 0.50% · 4.625%
HK$43,077
+HK$2,157/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,840/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,876
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,179
−HK$1,323/mo
Today · 4.125%
HK$44,502
baseline
▲ 0.50% · 4.625%
HK$47,210
+HK$2,708/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$89,004/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$573,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,587
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,836
−HK$1,268/mo
Today · 4.125%
HK$49,104
baseline
▲ 0.50% · 4.625%
HK$51,692
+HK$2,588/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,208/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$573,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,856
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,375
−HK$1,544/mo
Today · 4.125%
HK$51,919
baseline
▲ 0.50% · 4.625%
HK$55,078
+HK$3,159/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,838/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$573,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,351
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,809
−HK$1,479/mo
Today · 4.125%
HK$57,288
baseline
▲ 0.50% · 4.625%
HK$60,307
+HK$3,019/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,576/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$573,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,814
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,768
−HK$1,985/mo
Today · 4.125%
HK$66,753
baseline
▲ 0.50% · 4.625%
HK$70,815
+HK$4,062/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,506/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,880
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,754
−HK$1,902/mo
Today · 4.125%
HK$73,656
baseline
▲ 0.50% · 4.625%
HK$77,538
+HK$3,882/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,312/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,896 · Scale 2, in force from 26 Feb 2026)