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$34,824
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,908
−HK$1,100/mo
Today · 4.125%
HK$37,008
baseline
▲ 0.50% · 4.625%
HK$39,260
+HK$2,252/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,016/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,742
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,781
−HK$1,054/mo
Today · 4.125%
HK$40,835
baseline
▲ 0.50% · 4.625%
HK$42,987
+HK$2,152/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,670/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,789
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,089
−HK$1,321/mo
Today · 4.125%
HK$44,410
baseline
▲ 0.50% · 4.625%
HK$47,112
+HK$2,702/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,820/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,490
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,737
−HK$1,265/mo
Today · 4.125%
HK$49,002
baseline
▲ 0.50% · 4.625%
HK$51,585
+HK$2,583/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$98,004/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,754
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,271
−HK$1,540/mo
Today · 4.125%
HK$51,811
baseline
▲ 0.50% · 4.625%
HK$54,964
+HK$3,153/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,622/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,238
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,693
−HK$1,476/mo
Today · 4.125%
HK$57,169
baseline
▲ 0.50% · 4.625%
HK$60,182
+HK$3,013/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,338/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,684
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,634
−HK$1,981/mo
Today · 4.125%
HK$66,615
baseline
▲ 0.50% · 4.625%
HK$70,668
+HK$4,053/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,230/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,735
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,605
−HK$1,898/mo
Today · 4.125%
HK$73,503
baseline
▲ 0.50% · 4.625%
HK$77,377
+HK$3,874/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$147,006/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,705 · Scale 2, in force from 26 Feb 2026)