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$34,826
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,910
−HK$1,100/mo
Today · 4.125%
HK$37,010
baseline
▲ 0.50% · 4.625%
HK$39,262
+HK$2,252/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,020/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,744
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,783
−HK$1,054/mo
Today · 4.125%
HK$40,837
baseline
▲ 0.50% · 4.625%
HK$42,990
+HK$2,153/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,674/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,792
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,092
−HK$1,320/mo
Today · 4.125%
HK$44,412
baseline
▲ 0.50% · 4.625%
HK$47,115
+HK$2,703/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,824/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,493
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,740
−HK$1,265/mo
Today · 4.125%
HK$49,005
baseline
▲ 0.50% · 4.625%
HK$51,588
+HK$2,583/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$98,010/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,757
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,274
−HK$1,540/mo
Today · 4.125%
HK$51,814
baseline
▲ 0.50% · 4.625%
HK$54,967
+HK$3,153/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,628/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,242
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,696
−HK$1,476/mo
Today · 4.125%
HK$57,172
baseline
▲ 0.50% · 4.625%
HK$60,186
+HK$3,014/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,344/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,687
−HK$3,932/mo
▼ 0.25% · 3.875%
HK$64,637
−HK$1,982/mo
Today · 4.125%
HK$66,619
baseline
▲ 0.50% · 4.625%
HK$70,672
+HK$4,053/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,238/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,739
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,610
−HK$1,897/mo
Today · 4.125%
HK$73,507
baseline
▲ 0.50% · 4.625%
HK$77,382
+HK$3,875/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,014/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,738 · Scale 2, in force from 26 Feb 2026)