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$34,864
−HK$2,186/mo
▼ 0.25% · 3.875%
HK$35,948
−HK$1,102/mo
Today · 4.125%
HK$37,050
baseline
▲ 0.50% · 4.625%
HK$39,305
+HK$2,255/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,100/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,786
−HK$2,095/mo
▼ 0.25% · 3.875%
HK$39,826
−HK$1,055/mo
Today · 4.125%
HK$40,881
baseline
▲ 0.50% · 4.625%
HK$43,036
+HK$2,155/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,762/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,837
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,138
−HK$1,322/mo
Today · 4.125%
HK$44,460
baseline
▲ 0.50% · 4.625%
HK$47,165
+HK$2,705/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$88,920/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,543
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,791
−HK$1,266/mo
Today · 4.125%
HK$49,057
baseline
▲ 0.50% · 4.625%
HK$51,643
+HK$2,586/mo
Deposit HK$6.12M · loan HK$9.17M · min. income ≈ HK$98,114/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,809
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,328
−HK$1,542/mo
Today · 4.125%
HK$51,870
baseline
▲ 0.50% · 4.625%
HK$55,026
+HK$3,156/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$103,740/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,300
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,756
−HK$1,478/mo
Today · 4.125%
HK$57,234
baseline
▲ 0.50% · 4.625%
HK$60,250
+HK$3,016/mo
Deposit HK$4.59M · loan HK$10.70M · min. income ≈ HK$114,468/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,755
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,707
−HK$1,983/mo
Today · 4.125%
HK$66,690
baseline
▲ 0.50% · 4.625%
HK$70,748
+HK$4,058/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$133,380/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,814
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,687
−HK$1,899/mo
Today · 4.125%
HK$73,586
baseline
▲ 0.50% · 4.625%
HK$77,465
+HK$3,879/mo
Deposit HK$1.53M · loan HK$13.76M · min. income ≈ HK$147,172/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,354 · Scale 2, in force from 26 Feb 2026)