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$34,816
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,899
−HK$1,100/mo
Today · 4.125%
HK$36,999
baseline
▲ 0.50% · 4.625%
HK$39,250
+HK$2,251/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,998/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,732
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,771
−HK$1,054/mo
Today · 4.125%
HK$40,825
baseline
▲ 0.50% · 4.625%
HK$42,977
+HK$2,152/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,650/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,779
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,078
−HK$1,321/mo
Today · 4.125%
HK$44,399
baseline
▲ 0.50% · 4.625%
HK$47,100
+HK$2,701/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,798/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,479
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,725
−HK$1,265/mo
Today · 4.125%
HK$48,990
baseline
▲ 0.50% · 4.625%
HK$51,572
+HK$2,582/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,980/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,742
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,258
−HK$1,541/mo
Today · 4.125%
HK$51,799
baseline
▲ 0.50% · 4.625%
HK$54,950
+HK$3,151/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,598/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,225
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,679
−HK$1,476/mo
Today · 4.125%
HK$57,155
baseline
▲ 0.50% · 4.625%
HK$60,167
+HK$3,012/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,310/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,668
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,618
−HK$1,980/mo
Today · 4.125%
HK$66,598
baseline
▲ 0.50% · 4.625%
HK$70,651
+HK$4,053/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,196/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,718
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,588
−HK$1,897/mo
Today · 4.125%
HK$73,485
baseline
▲ 0.50% · 4.625%
HK$77,358
+HK$3,873/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,970/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,563 · Scale 2, in force from 26 Feb 2026)