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$34,839
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$35,923
−HK$1,101/mo
Today · 4.125%
HK$37,024
baseline
▲ 0.50% · 4.625%
HK$39,277
+HK$2,253/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,048/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,758
−HK$2,094/mo
▼ 0.25% · 3.875%
HK$39,798
−HK$1,054/mo
Today · 4.125%
HK$40,852
baseline
▲ 0.50% · 4.625%
HK$43,005
+HK$2,153/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,704/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,807
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,107
−HK$1,321/mo
Today · 4.125%
HK$44,428
baseline
▲ 0.50% · 4.625%
HK$47,132
+HK$2,704/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$88,856/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,510
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,757
−HK$1,265/mo
Today · 4.125%
HK$49,022
baseline
▲ 0.50% · 4.625%
HK$51,606
+HK$2,584/mo
Deposit HK$6.11M · loan HK$9.17M · min. income ≈ HK$98,044/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,775
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,292
−HK$1,541/mo
Today · 4.125%
HK$51,833
baseline
▲ 0.50% · 4.625%
HK$54,987
+HK$3,154/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,666/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,261
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,717
−HK$1,476/mo
Today · 4.125%
HK$57,193
baseline
▲ 0.50% · 4.625%
HK$60,208
+HK$3,015/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,386/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$572,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,710
−HK$3,933/mo
▼ 0.25% · 3.875%
HK$64,661
−HK$1,982/mo
Today · 4.125%
HK$66,643
baseline
▲ 0.50% · 4.625%
HK$70,698
+HK$4,055/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$133,286/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,764
−HK$3,770/mo
▼ 0.25% · 3.875%
HK$71,636
−HK$1,898/mo
Today · 4.125%
HK$73,534
baseline
▲ 0.50% · 4.625%
HK$77,410
+HK$3,876/mo
Deposit HK$1.53M · loan HK$13.75M · min. income ≈ HK$147,068/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,946 · Scale 2, in force from 26 Feb 2026)