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$34,822
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,905
−HK$1,101/mo
Today · 4.125%
HK$37,006
baseline
▲ 0.50% · 4.625%
HK$39,257
+HK$2,251/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$74,012/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,739
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,778
−HK$1,054/mo
Today · 4.125%
HK$40,832
baseline
▲ 0.50% · 4.625%
HK$42,984
+HK$2,152/mo
Deposit HK$7.64M · loan HK$7.64M · min. income ≈ HK$81,664/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,786
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,086
−HK$1,321/mo
Today · 4.125%
HK$44,407
baseline
▲ 0.50% · 4.625%
HK$47,109
+HK$2,702/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,814/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,487
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,734
−HK$1,264/mo
Today · 4.125%
HK$48,998
baseline
▲ 0.50% · 4.625%
HK$51,581
+HK$2,583/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,996/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,751
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,267
−HK$1,541/mo
Today · 4.125%
HK$51,808
baseline
▲ 0.50% · 4.625%
HK$54,960
+HK$3,152/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,616/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,235
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,689
−HK$1,476/mo
Today · 4.125%
HK$57,165
baseline
▲ 0.50% · 4.625%
HK$60,178
+HK$3,013/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,330/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,679
−HK$3,931/mo
▼ 0.25% · 3.875%
HK$64,629
−HK$1,981/mo
Today · 4.125%
HK$66,610
baseline
▲ 0.50% · 4.625%
HK$70,663
+HK$4,053/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,220/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,730
−HK$3,768/mo
▼ 0.25% · 3.875%
HK$71,600
−HK$1,898/mo
Today · 4.125%
HK$73,498
baseline
▲ 0.50% · 4.625%
HK$77,372
+HK$3,874/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,996/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,665 · Scale 2, in force from 26 Feb 2026)