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$34,901
−HK$2,189/mo
▼ 0.25% · 3.875%
HK$35,987
−HK$1,103/mo
Today · 4.125%
HK$37,090
baseline
▲ 0.50% · 4.625%
HK$39,347
+HK$2,257/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,180/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,827
−HK$2,098/mo
▼ 0.25% · 3.875%
HK$39,869
−HK$1,056/mo
Today · 4.125%
HK$40,925
baseline
▲ 0.50% · 4.625%
HK$43,082
+HK$2,157/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,850/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$573,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,882
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,184
−HK$1,324/mo
Today · 4.125%
HK$44,508
baseline
▲ 0.50% · 4.625%
HK$47,216
+HK$2,708/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$89,016/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$573,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,593
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,843
−HK$1,267/mo
Today · 4.125%
HK$49,110
baseline
▲ 0.50% · 4.625%
HK$51,699
+HK$2,589/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,220/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$573,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,862
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,382
−HK$1,544/mo
Today · 4.125%
HK$51,926
baseline
▲ 0.50% · 4.625%
HK$55,086
+HK$3,160/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,852/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$573,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,358
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,816
−HK$1,479/mo
Today · 4.125%
HK$57,295
baseline
▲ 0.50% · 4.625%
HK$60,315
+HK$3,020/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,590/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$573,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,823
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,777
−HK$1,985/mo
Today · 4.125%
HK$66,762
baseline
▲ 0.50% · 4.625%
HK$70,824
+HK$4,062/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$133,524/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,889
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,764
−HK$1,901/mo
Today · 4.125%
HK$73,665
baseline
▲ 0.50% · 4.625%
HK$77,548
+HK$3,883/mo
Deposit HK$1.53M · loan HK$13.78M · min. income ≈ HK$147,330/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,972 · Scale 2, in force from 26 Feb 2026)