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$34,785
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,867
−HK$1,100/mo
Today · 4.125%
HK$36,967
baseline
▲ 0.50% · 4.625%
HK$39,216
+HK$2,249/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,934/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,698
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,736
−HK$1,053/mo
Today · 4.125%
HK$40,789
baseline
▲ 0.50% · 4.625%
HK$42,939
+HK$2,150/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,578/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,743
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,041
−HK$1,319/mo
Today · 4.125%
HK$44,360
baseline
▲ 0.50% · 4.625%
HK$47,059
+HK$2,699/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,720/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,438
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,684
−HK$1,263/mo
Today · 4.125%
HK$48,947
baseline
▲ 0.50% · 4.625%
HK$51,527
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,894/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,700
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,214
−HK$1,539/mo
Today · 4.125%
HK$51,753
baseline
▲ 0.50% · 4.625%
HK$54,903
+HK$3,150/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,506/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,178
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,631
−HK$1,474/mo
Today · 4.125%
HK$57,105
baseline
▲ 0.50% · 4.625%
HK$60,115
+HK$3,010/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,210/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,614
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,561
−HK$1,979/mo
Today · 4.125%
HK$66,540
baseline
▲ 0.50% · 4.625%
HK$70,589
+HK$4,049/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,080/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,657
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,525
−HK$1,896/mo
Today · 4.125%
HK$73,421
baseline
▲ 0.50% · 4.625%
HK$77,291
+HK$3,870/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,842/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,065 · Scale 2, in force from 26 Feb 2026)