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$34,782
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,864
−HK$1,099/mo
Today · 4.125%
HK$36,963
baseline
▲ 0.50% · 4.625%
HK$39,212
+HK$2,249/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,926/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,695
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,732
−HK$1,053/mo
Today · 4.125%
HK$40,785
baseline
▲ 0.50% · 4.625%
HK$42,935
+HK$2,150/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,570/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,738
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,037
−HK$1,319/mo
Today · 4.125%
HK$44,356
baseline
▲ 0.50% · 4.625%
HK$47,055
+HK$2,699/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,712/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,433
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,679
−HK$1,263/mo
Today · 4.125%
HK$48,942
baseline
▲ 0.50% · 4.625%
HK$51,522
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,884/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,695
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,209
−HK$1,539/mo
Today · 4.125%
HK$51,748
baseline
▲ 0.50% · 4.625%
HK$54,897
+HK$3,149/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,496/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,172
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,625
−HK$1,474/mo
Today · 4.125%
HK$57,099
baseline
▲ 0.50% · 4.625%
HK$60,109
+HK$3,010/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,198/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,608
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,555
−HK$1,979/mo
Today · 4.125%
HK$66,534
baseline
▲ 0.50% · 4.625%
HK$70,582
+HK$4,048/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,068/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,650
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,518
−HK$1,895/mo
Today · 4.125%
HK$73,413
baseline
▲ 0.50% · 4.625%
HK$77,283
+HK$3,870/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,826/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,008 · Scale 2, in force from 26 Feb 2026)