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$34,879
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,964
−HK$1,102/mo
Today · 4.125%
HK$37,066
baseline
▲ 0.50% · 4.625%
HK$39,322
+HK$2,256/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,132/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,803
−HK$2,096/mo
▼ 0.25% · 3.875%
HK$39,843
−HK$1,056/mo
Today · 4.125%
HK$40,899
baseline
▲ 0.50% · 4.625%
HK$43,055
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,798/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,855
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,157
−HK$1,322/mo
Today · 4.125%
HK$44,479
baseline
▲ 0.50% · 4.625%
HK$47,186
+HK$2,707/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,958/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,563
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,812
−HK$1,267/mo
Today · 4.125%
HK$49,079
baseline
▲ 0.50% · 4.625%
HK$51,666
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,158/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,831
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,350
−HK$1,543/mo
Today · 4.125%
HK$51,893
baseline
▲ 0.50% · 4.625%
HK$55,050
+HK$3,157/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,786/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,324
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,780
−HK$1,479/mo
Today · 4.125%
HK$57,259
baseline
▲ 0.50% · 4.625%
HK$60,277
+HK$3,018/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,518/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,782
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,735
−HK$1,984/mo
Today · 4.125%
HK$66,719
baseline
▲ 0.50% · 4.625%
HK$70,779
+HK$4,060/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,438/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,845
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,718
−HK$1,900/mo
Today · 4.125%
HK$73,618
baseline
▲ 0.50% · 4.625%
HK$77,499
+HK$3,881/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,236/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,604 · Scale 2, in force from 26 Feb 2026)