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$34,885
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,970
−HK$1,103/mo
Today · 4.125%
HK$37,073
baseline
▲ 0.50% · 4.625%
HK$39,329
+HK$2,256/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,146/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,809
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,850
−HK$1,056/mo
Today · 4.125%
HK$40,906
baseline
▲ 0.50% · 4.625%
HK$43,062
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,812/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,862
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,164
−HK$1,323/mo
Today · 4.125%
HK$44,487
baseline
▲ 0.50% · 4.625%
HK$47,194
+HK$2,707/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,974/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,571
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,820
−HK$1,267/mo
Today · 4.125%
HK$49,087
baseline
▲ 0.50% · 4.625%
HK$51,675
+HK$2,588/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,174/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,839
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,358
−HK$1,544/mo
Today · 4.125%
HK$51,902
baseline
▲ 0.50% · 4.625%
HK$55,060
+HK$3,158/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,804/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,333
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,790
−HK$1,479/mo
Today · 4.125%
HK$57,269
baseline
▲ 0.50% · 4.625%
HK$60,287
+HK$3,018/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,538/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,793
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,747
−HK$1,984/mo
Today · 4.125%
HK$66,731
baseline
▲ 0.50% · 4.625%
HK$70,791
+HK$4,060/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,462/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,857
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,731
−HK$1,900/mo
Today · 4.125%
HK$73,631
baseline
▲ 0.50% · 4.625%
HK$77,512
+HK$3,881/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,262/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,706 · Scale 2, in force from 26 Feb 2026)