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$34,789
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,871
−HK$1,100/mo
Today · 4.125%
HK$36,971
baseline
▲ 0.50% · 4.625%
HK$39,220
+HK$2,249/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,942/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,703
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,741
−HK$1,053/mo
Today · 4.125%
HK$40,794
baseline
▲ 0.50% · 4.625%
HK$42,944
+HK$2,150/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,588/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,747
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,046
−HK$1,319/mo
Today · 4.125%
HK$44,365
baseline
▲ 0.50% · 4.625%
HK$47,064
+HK$2,699/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,730/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,443
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,689
−HK$1,263/mo
Today · 4.125%
HK$48,952
baseline
▲ 0.50% · 4.625%
HK$51,533
+HK$2,581/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,904/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,705
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,220
−HK$1,539/mo
Today · 4.125%
HK$51,759
baseline
▲ 0.50% · 4.625%
HK$54,908
+HK$3,149/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,518/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,184
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,637
−HK$1,474/mo
Today · 4.125%
HK$57,111
baseline
▲ 0.50% · 4.625%
HK$60,121
+HK$3,010/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,222/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,620
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,568
−HK$1,979/mo
Today · 4.125%
HK$66,547
baseline
▲ 0.50% · 4.625%
HK$70,597
+HK$4,050/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,094/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,665
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,533
−HK$1,895/mo
Today · 4.125%
HK$73,428
baseline
▲ 0.50% · 4.625%
HK$77,299
+HK$3,871/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,856/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,126 · Scale 2, in force from 26 Feb 2026)