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$34,890
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,975
−HK$1,102/mo
Today · 4.125%
HK$37,077
baseline
▲ 0.50% · 4.625%
HK$39,334
+HK$2,257/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,154/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,814
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,855
−HK$1,056/mo
Today · 4.125%
HK$40,911
baseline
▲ 0.50% · 4.625%
HK$43,068
+HK$2,157/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,822/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,868
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,170
−HK$1,323/mo
Today · 4.125%
HK$44,493
baseline
▲ 0.50% · 4.625%
HK$47,200
+HK$2,707/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,986/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,577
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,826
−HK$1,268/mo
Today · 4.125%
HK$49,094
baseline
▲ 0.50% · 4.625%
HK$51,681
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,188/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,845
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,365
−HK$1,543/mo
Today · 4.125%
HK$51,908
baseline
▲ 0.50% · 4.625%
HK$55,067
+HK$3,159/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,816/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,340
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,797
−HK$1,479/mo
Today · 4.125%
HK$57,276
baseline
▲ 0.50% · 4.625%
HK$60,295
+HK$3,019/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,552/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,801
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,755
−HK$1,984/mo
Today · 4.125%
HK$66,739
baseline
▲ 0.50% · 4.625%
HK$70,800
+HK$4,061/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,478/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,866
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,740
−HK$1,900/mo
Today · 4.125%
HK$73,640
baseline
▲ 0.50% · 4.625%
HK$77,522
+HK$3,882/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,280/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,778 · Scale 2, in force from 26 Feb 2026)