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$34,807
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,889
−HK$1,100/mo
Today · 4.125%
HK$36,989
baseline
▲ 0.50% · 4.625%
HK$39,240
+HK$2,251/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,978/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,722
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,761
−HK$1,053/mo
Today · 4.125%
HK$40,814
baseline
▲ 0.50% · 4.625%
HK$42,966
+HK$2,152/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,628/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,768
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,067
−HK$1,320/mo
Today · 4.125%
HK$44,387
baseline
▲ 0.50% · 4.625%
HK$47,088
+HK$2,701/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,774/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,467
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,713
−HK$1,264/mo
Today · 4.125%
HK$48,977
baseline
▲ 0.50% · 4.625%
HK$51,559
+HK$2,582/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,954/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,729
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,245
−HK$1,540/mo
Today · 4.125%
HK$51,785
baseline
▲ 0.50% · 4.625%
HK$54,936
+HK$3,151/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,570/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,211
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,665
−HK$1,475/mo
Today · 4.125%
HK$57,140
baseline
▲ 0.50% · 4.625%
HK$60,152
+HK$3,012/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,280/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,652
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,601
−HK$1,980/mo
Today · 4.125%
HK$66,581
baseline
▲ 0.50% · 4.625%
HK$70,632
+HK$4,051/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,162/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,700
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,569
−HK$1,896/mo
Today · 4.125%
HK$73,465
baseline
▲ 0.50% · 4.625%
HK$77,338
+HK$3,873/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,930/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,415 · Scale 2, in force from 26 Feb 2026)