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$34,813
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,896
−HK$1,100/mo
Today · 4.125%
HK$36,996
baseline
▲ 0.50% · 4.625%
HK$39,248
+HK$2,252/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,992/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,729
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,768
−HK$1,054/mo
Today · 4.125%
HK$40,822
baseline
▲ 0.50% · 4.625%
HK$42,974
+HK$2,152/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,644/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,776
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,075
−HK$1,321/mo
Today · 4.125%
HK$44,396
baseline
▲ 0.50% · 4.625%
HK$47,097
+HK$2,701/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,792/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,475
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,722
−HK$1,264/mo
Today · 4.125%
HK$48,986
baseline
▲ 0.50% · 4.625%
HK$51,568
+HK$2,582/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,972/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,739
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,255
−HK$1,540/mo
Today · 4.125%
HK$51,795
baseline
▲ 0.50% · 4.625%
HK$54,947
+HK$3,152/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,590/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,221
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,675
−HK$1,476/mo
Today · 4.125%
HK$57,151
baseline
▲ 0.50% · 4.625%
HK$60,163
+HK$3,012/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,302/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,664
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,613
−HK$1,980/mo
Today · 4.125%
HK$66,593
baseline
▲ 0.50% · 4.625%
HK$70,646
+HK$4,053/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,186/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,713
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,583
−HK$1,896/mo
Today · 4.125%
HK$73,479
baseline
▲ 0.50% · 4.625%
HK$77,353
+HK$3,874/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,958/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,523 · Scale 2, in force from 26 Feb 2026)