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$34,818
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,901
−HK$1,101/mo
Today · 4.125%
HK$37,002
baseline
▲ 0.50% · 4.625%
HK$39,253
+HK$2,251/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$74,004/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,735
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,774
−HK$1,054/mo
Today · 4.125%
HK$40,828
baseline
▲ 0.50% · 4.625%
HK$42,980
+HK$2,152/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,656/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,782
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,081
−HK$1,321/mo
Today · 4.125%
HK$44,402
baseline
▲ 0.50% · 4.625%
HK$47,104
+HK$2,702/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,804/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,482
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,728
−HK$1,265/mo
Today · 4.125%
HK$48,993
baseline
▲ 0.50% · 4.625%
HK$51,576
+HK$2,583/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,986/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,745
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,262
−HK$1,540/mo
Today · 4.125%
HK$51,802
baseline
▲ 0.50% · 4.625%
HK$54,954
+HK$3,152/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,604/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,229
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,683
−HK$1,476/mo
Today · 4.125%
HK$57,159
baseline
▲ 0.50% · 4.625%
HK$60,171
+HK$3,012/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,318/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,673
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,622
−HK$1,981/mo
Today · 4.125%
HK$66,603
baseline
▲ 0.50% · 4.625%
HK$70,655
+HK$4,052/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,206/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,723
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,593
−HK$1,897/mo
Today · 4.125%
HK$73,490
baseline
▲ 0.50% · 4.625%
HK$77,363
+HK$3,873/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,980/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,602 · Scale 2, in force from 26 Feb 2026)