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$34,803
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,885
−HK$1,100/mo
Today · 4.125%
HK$36,985
baseline
▲ 0.50% · 4.625%
HK$39,235
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,970/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,717
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,756
−HK$1,053/mo
Today · 4.125%
HK$40,809
baseline
▲ 0.50% · 4.625%
HK$42,960
+HK$2,151/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,618/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,763
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,062
−HK$1,320/mo
Today · 4.125%
HK$44,382
baseline
▲ 0.50% · 4.625%
HK$47,082
+HK$2,700/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,764/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,461
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,707
−HK$1,264/mo
Today · 4.125%
HK$48,971
baseline
▲ 0.50% · 4.625%
HK$51,552
+HK$2,581/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,942/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,724
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,239
−HK$1,540/mo
Today · 4.125%
HK$51,779
baseline
▲ 0.50% · 4.625%
HK$54,930
+HK$3,151/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,558/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,204
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,658
−HK$1,475/mo
Today · 4.125%
HK$57,133
baseline
▲ 0.50% · 4.625%
HK$60,144
+HK$3,011/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,266/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,645
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,593
−HK$1,980/mo
Today · 4.125%
HK$66,573
baseline
▲ 0.50% · 4.625%
HK$70,624
+HK$4,051/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,146/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,691
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,560
−HK$1,897/mo
Today · 4.125%
HK$73,457
baseline
▲ 0.50% · 4.625%
HK$77,329
+HK$3,872/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,914/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,346 · Scale 2, in force from 26 Feb 2026)