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$34,876
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,961
−HK$1,102/mo
Today · 4.125%
HK$37,063
baseline
▲ 0.50% · 4.625%
HK$39,318
+HK$2,255/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,126/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,799
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,840
−HK$1,055/mo
Today · 4.125%
HK$40,895
baseline
▲ 0.50% · 4.625%
HK$43,051
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,790/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,851
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,153
−HK$1,323/mo
Today · 4.125%
HK$44,476
baseline
▲ 0.50% · 4.625%
HK$47,182
+HK$2,706/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,952/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,559
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,808
−HK$1,266/mo
Today · 4.125%
HK$49,074
baseline
▲ 0.50% · 4.625%
HK$51,661
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,148/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,826
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,345
−HK$1,543/mo
Today · 4.125%
HK$51,888
baseline
▲ 0.50% · 4.625%
HK$55,045
+HK$3,157/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,776/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,319
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,776
−HK$1,477/mo
Today · 4.125%
HK$57,253
baseline
▲ 0.50% · 4.625%
HK$60,271
+HK$3,018/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,506/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,777
−HK$3,936/mo
▼ 0.25% · 3.875%
HK$64,729
−HK$1,984/mo
Today · 4.125%
HK$66,713
baseline
▲ 0.50% · 4.625%
HK$70,773
+HK$4,060/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,426/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,838
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,711
−HK$1,901/mo
Today · 4.125%
HK$73,612
baseline
▲ 0.50% · 4.625%
HK$77,492
+HK$3,880/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,224/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,553 · Scale 2, in force from 26 Feb 2026)