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$34,846
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,930
−HK$1,101/mo
Today · 4.125%
HK$37,031
baseline
▲ 0.50% · 4.625%
HK$39,284
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,062/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,766
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,805
−HK$1,055/mo
Today · 4.125%
HK$40,860
baseline
▲ 0.50% · 4.625%
HK$43,014
+HK$2,154/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,720/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$573,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,815
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,116
−HK$1,321/mo
Today · 4.125%
HK$44,437
baseline
▲ 0.50% · 4.625%
HK$47,141
+HK$2,704/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,874/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,519
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,767
−HK$1,265/mo
Today · 4.125%
HK$49,032
baseline
▲ 0.50% · 4.625%
HK$51,617
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,064/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,784
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,302
−HK$1,542/mo
Today · 4.125%
HK$51,844
baseline
▲ 0.50% · 4.625%
HK$54,998
+HK$3,154/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$103,688/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,272
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,728
−HK$1,476/mo
Today · 4.125%
HK$57,204
baseline
▲ 0.50% · 4.625%
HK$60,220
+HK$3,016/mo
Deposit HK$4.58M · loan HK$10.70M · min. income ≈ HK$114,408/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,723
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,674
−HK$1,982/mo
Today · 4.125%
HK$66,656
baseline
▲ 0.50% · 4.625%
HK$70,712
+HK$4,056/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,312/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,778
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,650
−HK$1,898/mo
Today · 4.125%
HK$73,548
baseline
▲ 0.50% · 4.625%
HK$77,425
+HK$3,877/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,096/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,061 · Scale 2, in force from 26 Feb 2026)