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$34,851
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,935
−HK$1,102/mo
Today · 4.125%
HK$37,037
baseline
▲ 0.50% · 4.625%
HK$39,290
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,074/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,771
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,811
−HK$1,055/mo
Today · 4.125%
HK$40,866
baseline
▲ 0.50% · 4.625%
HK$43,020
+HK$2,154/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,732/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,821
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,122
−HK$1,322/mo
Today · 4.125%
HK$44,444
baseline
▲ 0.50% · 4.625%
HK$47,148
+HK$2,704/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,888/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,526
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,774
−HK$1,265/mo
Today · 4.125%
HK$49,039
baseline
▲ 0.50% · 4.625%
HK$51,624
+HK$2,585/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,078/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,791
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,309
−HK$1,542/mo
Today · 4.125%
HK$51,851
baseline
▲ 0.50% · 4.625%
HK$55,006
+HK$3,155/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,702/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,280
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,736
−HK$1,477/mo
Today · 4.125%
HK$57,213
baseline
▲ 0.50% · 4.625%
HK$60,228
+HK$3,015/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,426/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,732
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,683
−HK$1,983/mo
Today · 4.125%
HK$66,666
baseline
▲ 0.50% · 4.625%
HK$70,722
+HK$4,056/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,332/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,789
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,660
−HK$1,899/mo
Today · 4.125%
HK$73,559
baseline
▲ 0.50% · 4.625%
HK$77,436
+HK$3,877/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,118/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,144 · Scale 2, in force from 26 Feb 2026)