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$34,894
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,979
−HK$1,103/mo
Today · 4.125%
HK$37,082
baseline
▲ 0.50% · 4.625%
HK$39,338
+HK$2,256/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,164/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,819
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,860
−HK$1,056/mo
Today · 4.125%
HK$40,916
baseline
▲ 0.50% · 4.625%
HK$43,073
+HK$2,157/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,832/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,872
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,175
−HK$1,323/mo
Today · 4.125%
HK$44,498
baseline
▲ 0.50% · 4.625%
HK$47,206
+HK$2,708/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,996/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,583
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,832
−HK$1,267/mo
Today · 4.125%
HK$49,099
baseline
▲ 0.50% · 4.625%
HK$51,687
+HK$2,588/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,198/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,851
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,371
−HK$1,543/mo
Today · 4.125%
HK$51,914
baseline
▲ 0.50% · 4.625%
HK$55,073
+HK$3,159/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,828/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,346
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,804
−HK$1,478/mo
Today · 4.125%
HK$57,282
baseline
▲ 0.50% · 4.625%
HK$60,302
+HK$3,020/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,564/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,808
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,762
−HK$1,985/mo
Today · 4.125%
HK$66,747
baseline
▲ 0.50% · 4.625%
HK$70,808
+HK$4,061/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,494/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,874
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,748
−HK$1,901/mo
Today · 4.125%
HK$73,649
baseline
▲ 0.50% · 4.625%
HK$77,531
+HK$3,882/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,298/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,843 · Scale 2, in force from 26 Feb 2026)