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$34,794
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,877
−HK$1,099/mo
Today · 4.125%
HK$36,976
baseline
▲ 0.50% · 4.625%
HK$39,226
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,952/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,708
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,747
−HK$1,053/mo
Today · 4.125%
HK$40,800
baseline
▲ 0.50% · 4.625%
HK$42,950
+HK$2,150/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,600/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,753
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,052
−HK$1,320/mo
Today · 4.125%
HK$44,372
baseline
▲ 0.50% · 4.625%
HK$47,071
+HK$2,699/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$88,744/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,450
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,696
−HK$1,264/mo
Today · 4.125%
HK$48,960
baseline
▲ 0.50% · 4.625%
HK$51,540
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$97,920/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,712
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,227
−HK$1,540/mo
Today · 4.125%
HK$51,767
baseline
▲ 0.50% · 4.625%
HK$54,917
+HK$3,150/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,534/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,192
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,645
−HK$1,475/mo
Today · 4.125%
HK$57,120
baseline
▲ 0.50% · 4.625%
HK$60,130
+HK$3,010/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,240/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,630
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,578
−HK$1,979/mo
Today · 4.125%
HK$66,557
baseline
▲ 0.50% · 4.625%
HK$70,607
+HK$4,050/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,114/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,675
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,544
−HK$1,896/mo
Today · 4.125%
HK$73,440
baseline
▲ 0.50% · 4.625%
HK$77,311
+HK$3,871/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,880/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,213 · Scale 2, in force from 26 Feb 2026)