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$34,799
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,882
−HK$1,099/mo
Today · 4.125%
HK$36,981
baseline
▲ 0.50% · 4.625%
HK$39,232
+HK$2,251/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,962/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,714
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,752
−HK$1,053/mo
Today · 4.125%
HK$40,805
baseline
▲ 0.50% · 4.625%
HK$42,956
+HK$2,151/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,610/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,759
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,058
−HK$1,320/mo
Today · 4.125%
HK$44,378
baseline
▲ 0.50% · 4.625%
HK$47,078
+HK$2,700/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$88,756/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,456
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,702
−HK$1,264/mo
Today · 4.125%
HK$48,966
baseline
▲ 0.50% · 4.625%
HK$51,547
+HK$2,581/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$97,932/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,719
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,234
−HK$1,540/mo
Today · 4.125%
HK$51,774
baseline
▲ 0.50% · 4.625%
HK$54,924
+HK$3,150/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,548/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,199
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,653
−HK$1,474/mo
Today · 4.125%
HK$57,127
baseline
▲ 0.50% · 4.625%
HK$60,139
+HK$3,012/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,254/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,638
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,587
−HK$1,979/mo
Today · 4.125%
HK$66,566
baseline
▲ 0.50% · 4.625%
HK$70,617
+HK$4,051/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,132/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,685
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,554
−HK$1,895/mo
Today · 4.125%
HK$73,449
baseline
▲ 0.50% · 4.625%
HK$77,321
+HK$3,872/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,898/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,290 · Scale 2, in force from 26 Feb 2026)