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$34,839
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,922
−HK$1,101/mo
Today · 4.125%
HK$37,023
baseline
▲ 0.50% · 4.625%
HK$39,276
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,046/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,757
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,797
−HK$1,054/mo
Today · 4.125%
HK$40,851
baseline
▲ 0.50% · 4.625%
HK$43,005
+HK$2,154/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,702/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,806
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,107
−HK$1,321/mo
Today · 4.125%
HK$44,428
baseline
▲ 0.50% · 4.625%
HK$47,131
+HK$2,703/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,856/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,509
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,756
−HK$1,266/mo
Today · 4.125%
HK$49,022
baseline
▲ 0.50% · 4.625%
HK$51,606
+HK$2,584/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,044/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,774
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,291
−HK$1,541/mo
Today · 4.125%
HK$51,832
baseline
▲ 0.50% · 4.625%
HK$54,986
+HK$3,154/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,664/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,260
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,716
−HK$1,476/mo
Today · 4.125%
HK$57,192
baseline
▲ 0.50% · 4.625%
HK$60,207
+HK$3,015/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,384/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,709
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,660
−HK$1,982/mo
Today · 4.125%
HK$66,642
baseline
▲ 0.50% · 4.625%
HK$70,697
+HK$4,055/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,284/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,763
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,635
−HK$1,898/mo
Today · 4.125%
HK$73,533
baseline
▲ 0.50% · 4.625%
HK$77,409
+HK$3,876/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,066/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,938 · Scale 2, in force from 26 Feb 2026)