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$34,883
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,968
−HK$1,102/mo
Today · 4.125%
HK$37,070
baseline
▲ 0.50% · 4.625%
HK$39,326
+HK$2,256/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,140/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,807
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,847
−HK$1,056/mo
Today · 4.125%
HK$40,903
baseline
▲ 0.50% · 4.625%
HK$43,059
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,806/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,859
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,161
−HK$1,323/mo
Today · 4.125%
HK$44,484
baseline
▲ 0.50% · 4.625%
HK$47,191
+HK$2,707/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,968/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,568
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,817
−HK$1,267/mo
Today · 4.125%
HK$49,084
baseline
▲ 0.50% · 4.625%
HK$51,671
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,168/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,836
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,355
−HK$1,543/mo
Today · 4.125%
HK$51,898
baseline
▲ 0.50% · 4.625%
HK$55,056
+HK$3,158/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,796/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,329
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,786
−HK$1,479/mo
Today · 4.125%
HK$57,265
baseline
▲ 0.50% · 4.625%
HK$60,283
+HK$3,018/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,530/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,789
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,742
−HK$1,984/mo
Today · 4.125%
HK$66,726
baseline
▲ 0.50% · 4.625%
HK$70,786
+HK$4,060/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,452/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,852
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,725
−HK$1,901/mo
Today · 4.125%
HK$73,626
baseline
▲ 0.50% · 4.625%
HK$77,507
+HK$3,881/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,252/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,665 · Scale 2, in force from 26 Feb 2026)