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$34,887
−HK$2,187/mo
▼ 0.25% · 3.875%
HK$35,972
−HK$1,102/mo
Today · 4.125%
HK$37,074
baseline
▲ 0.50% · 4.625%
HK$39,330
+HK$2,256/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,148/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,811
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,852
−HK$1,056/mo
Today · 4.125%
HK$40,908
baseline
▲ 0.50% · 4.625%
HK$43,064
+HK$2,156/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,816/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,864
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,166
−HK$1,323/mo
Today · 4.125%
HK$44,489
baseline
▲ 0.50% · 4.625%
HK$47,196
+HK$2,707/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,978/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,573
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,822
−HK$1,268/mo
Today · 4.125%
HK$49,090
baseline
▲ 0.50% · 4.625%
HK$51,677
+HK$2,587/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,180/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,841
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,361
−HK$1,543/mo
Today · 4.125%
HK$51,904
baseline
▲ 0.50% · 4.625%
HK$55,062
+HK$3,158/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,808/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,336
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,793
−HK$1,478/mo
Today · 4.125%
HK$57,271
baseline
▲ 0.50% · 4.625%
HK$60,290
+HK$3,019/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,542/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,796
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,749
−HK$1,985/mo
Today · 4.125%
HK$66,734
baseline
▲ 0.50% · 4.625%
HK$70,795
+HK$4,061/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,468/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,860
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,734
−HK$1,900/mo
Today · 4.125%
HK$73,634
baseline
▲ 0.50% · 4.625%
HK$77,516
+HK$3,882/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,268/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,731 · Scale 2, in force from 26 Feb 2026)