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$34,775
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,856
−HK$1,099/mo
Today · 4.125%
HK$36,955
baseline
▲ 0.50% · 4.625%
HK$39,204
+HK$2,249/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,910/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,686
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,724
−HK$1,052/mo
Today · 4.125%
HK$40,776
baseline
▲ 0.50% · 4.625%
HK$42,926
+HK$2,150/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,552/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,730
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,028
−HK$1,318/mo
Today · 4.125%
HK$44,346
baseline
▲ 0.50% · 4.625%
HK$47,045
+HK$2,699/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,692/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,424
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,669
−HK$1,263/mo
Today · 4.125%
HK$48,932
baseline
▲ 0.50% · 4.625%
HK$51,511
+HK$2,579/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,864/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,684
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,199
−HK$1,538/mo
Today · 4.125%
HK$51,737
baseline
▲ 0.50% · 4.625%
HK$54,885
+HK$3,148/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,474/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,161
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,614
−HK$1,473/mo
Today · 4.125%
HK$57,087
baseline
▲ 0.50% · 4.625%
HK$60,096
+HK$3,009/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,174/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,594
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,541
−HK$1,978/mo
Today · 4.125%
HK$66,519
baseline
▲ 0.50% · 4.625%
HK$70,567
+HK$4,048/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,038/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,635
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,503
−HK$1,895/mo
Today · 4.125%
HK$73,398
baseline
▲ 0.50% · 4.625%
HK$77,267
+HK$3,869/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,796/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,887 · Scale 2, in force from 26 Feb 2026)