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$34,802
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,884
−HK$1,100/mo
Today · 4.125%
HK$36,984
baseline
▲ 0.50% · 4.625%
HK$39,234
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,968/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,717
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,755
−HK$1,053/mo
Today · 4.125%
HK$40,808
baseline
▲ 0.50% · 4.625%
HK$42,959
+HK$2,151/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,616/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,762
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,061
−HK$1,320/mo
Today · 4.125%
HK$44,381
baseline
▲ 0.50% · 4.625%
HK$47,081
+HK$2,700/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$88,762/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,460
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,706
−HK$1,264/mo
Today · 4.125%
HK$48,970
baseline
▲ 0.50% · 4.625%
HK$51,551
+HK$2,581/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$97,940/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,722
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,238
−HK$1,540/mo
Today · 4.125%
HK$51,778
baseline
▲ 0.50% · 4.625%
HK$54,928
+HK$3,150/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,556/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,203
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,657
−HK$1,475/mo
Today · 4.125%
HK$57,132
baseline
▲ 0.50% · 4.625%
HK$60,143
+HK$3,011/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,264/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,643
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,592
−HK$1,979/mo
Today · 4.125%
HK$66,571
baseline
▲ 0.50% · 4.625%
HK$70,622
+HK$4,051/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,142/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,690
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,559
−HK$1,896/mo
Today · 4.125%
HK$73,455
baseline
▲ 0.50% · 4.625%
HK$77,327
+HK$3,872/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,910/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,333 · Scale 2, in force from 26 Feb 2026)