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$34,788
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,870
−HK$1,100/mo
Today · 4.125%
HK$36,970
baseline
▲ 0.50% · 4.625%
HK$39,219
+HK$2,249/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,940/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,702
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,740
−HK$1,052/mo
Today · 4.125%
HK$40,792
baseline
▲ 0.50% · 4.625%
HK$42,943
+HK$2,151/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,584/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,746
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,044
−HK$1,320/mo
Today · 4.125%
HK$44,364
baseline
▲ 0.50% · 4.625%
HK$47,063
+HK$2,699/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,728/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,442
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,687
−HK$1,264/mo
Today · 4.125%
HK$48,951
baseline
▲ 0.50% · 4.625%
HK$51,531
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,902/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,704
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,218
−HK$1,540/mo
Today · 4.125%
HK$51,758
baseline
▲ 0.50% · 4.625%
HK$54,907
+HK$3,149/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,516/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,182
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,635
−HK$1,474/mo
Today · 4.125%
HK$57,109
baseline
▲ 0.50% · 4.625%
HK$60,120
+HK$3,011/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,218/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,619
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,567
−HK$1,979/mo
Today · 4.125%
HK$66,546
baseline
▲ 0.50% · 4.625%
HK$70,595
+HK$4,049/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,092/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,663
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,531
−HK$1,895/mo
Today · 4.125%
HK$73,426
baseline
▲ 0.50% · 4.625%
HK$77,297
+HK$3,871/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,852/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,111 · Scale 2, in force from 26 Feb 2026)