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$34,882
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,967
−HK$1,102/mo
Today · 4.125%
HK$37,069
baseline
▲ 0.50% · 4.625%
HK$39,324
+HK$2,255/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,138/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,805
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,846
−HK$1,056/mo
Today · 4.125%
HK$40,902
baseline
▲ 0.50% · 4.625%
HK$43,058
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,804/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,858
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,160
−HK$1,323/mo
Today · 4.125%
HK$44,483
baseline
▲ 0.50% · 4.625%
HK$47,189
+HK$2,706/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,966/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,566
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,815
−HK$1,267/mo
Today · 4.125%
HK$49,082
baseline
▲ 0.50% · 4.625%
HK$51,669
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,164/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,834
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,353
−HK$1,543/mo
Today · 4.125%
HK$51,896
baseline
▲ 0.50% · 4.625%
HK$55,054
+HK$3,158/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,792/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,327
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,785
−HK$1,478/mo
Today · 4.125%
HK$57,263
baseline
▲ 0.50% · 4.625%
HK$60,281
+HK$3,018/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,526/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,787
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,740
−HK$1,984/mo
Today · 4.125%
HK$66,724
baseline
▲ 0.50% · 4.625%
HK$70,784
+HK$4,060/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,448/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,850
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,723
−HK$1,900/mo
Today · 4.125%
HK$73,623
baseline
▲ 0.50% · 4.625%
HK$77,504
+HK$3,881/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,246/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,645 · Scale 2, in force from 26 Feb 2026)