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$34,890
−HK$2,188/mo
▼ 0.25% · 3.875%
HK$35,975
−HK$1,103/mo
Today · 4.125%
HK$37,078
baseline
▲ 0.50% · 4.625%
HK$39,334
+HK$2,256/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$74,156/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,815
−HK$2,097/mo
▼ 0.25% · 3.875%
HK$39,856
−HK$1,056/mo
Today · 4.125%
HK$40,912
baseline
▲ 0.50% · 4.625%
HK$43,069
+HK$2,157/mo
Deposit HK$7.65M · loan HK$7.65M · min. income ≈ HK$81,824/mo (50% DSR)
Upfront cash ≈ HK$8.22M (deposit + AVD stamp duty HK$573,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,868
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,171
−HK$1,323/mo
Today · 4.125%
HK$44,494
baseline
▲ 0.50% · 4.625%
HK$47,201
+HK$2,707/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$88,988/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,578
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,827
−HK$1,267/mo
Today · 4.125%
HK$49,094
baseline
▲ 0.50% · 4.625%
HK$51,682
+HK$2,588/mo
Deposit HK$6.12M · loan HK$9.18M · min. income ≈ HK$98,188/mo (50% DSR)
Upfront cash ≈ HK$6.69M (deposit + AVD stamp duty HK$573,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,846
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,366
−HK$1,543/mo
Today · 4.125%
HK$51,909
baseline
▲ 0.50% · 4.625%
HK$55,068
+HK$3,159/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$103,818/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,341
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,798
−HK$1,479/mo
Today · 4.125%
HK$57,277
baseline
▲ 0.50% · 4.625%
HK$60,296
+HK$3,019/mo
Deposit HK$4.59M · loan HK$10.71M · min. income ≈ HK$114,554/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$573,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,802
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,756
−HK$1,985/mo
Today · 4.125%
HK$66,741
baseline
▲ 0.50% · 4.625%
HK$70,802
+HK$4,061/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$133,482/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,867
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,741
−HK$1,901/mo
Today · 4.125%
HK$73,642
baseline
▲ 0.50% · 4.625%
HK$77,523
+HK$3,881/mo
Deposit HK$1.53M · loan HK$13.77M · min. income ≈ HK$147,284/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$573,788 · Scale 2, in force from 26 Feb 2026)