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$34,784
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,866
−HK$1,099/mo
Today · 4.125%
HK$36,965
baseline
▲ 0.50% · 4.625%
HK$39,215
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,930/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,697
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,735
−HK$1,053/mo
Today · 4.125%
HK$40,788
baseline
▲ 0.50% · 4.625%
HK$42,938
+HK$2,150/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,576/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,741
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,039
−HK$1,319/mo
Today · 4.125%
HK$44,358
baseline
▲ 0.50% · 4.625%
HK$47,058
+HK$2,700/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,716/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,436
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,682
−HK$1,263/mo
Today · 4.125%
HK$48,945
baseline
▲ 0.50% · 4.625%
HK$51,525
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,890/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,698
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,213
−HK$1,539/mo
Today · 4.125%
HK$51,752
baseline
▲ 0.50% · 4.625%
HK$54,901
+HK$3,149/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,504/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,176
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,629
−HK$1,474/mo
Today · 4.125%
HK$57,103
baseline
▲ 0.50% · 4.625%
HK$60,113
+HK$3,010/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,206/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,611
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,559
−HK$1,979/mo
Today · 4.125%
HK$66,538
baseline
▲ 0.50% · 4.625%
HK$70,586
+HK$4,048/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,076/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,655
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,523
−HK$1,895/mo
Today · 4.125%
HK$73,418
baseline
▲ 0.50% · 4.625%
HK$77,288
+HK$3,870/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,836/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,044 · Scale 2, in force from 26 Feb 2026)