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$34,796
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,878
−HK$1,100/mo
Today · 4.125%
HK$36,978
baseline
▲ 0.50% · 4.625%
HK$39,228
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,956/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,710
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,748
−HK$1,053/mo
Today · 4.125%
HK$40,801
baseline
▲ 0.50% · 4.625%
HK$42,952
+HK$2,151/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,602/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,755
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,053
−HK$1,320/mo
Today · 4.125%
HK$44,373
baseline
▲ 0.50% · 4.625%
HK$47,073
+HK$2,700/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$88,746/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,452
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,697
−HK$1,264/mo
Today · 4.125%
HK$48,961
baseline
▲ 0.50% · 4.625%
HK$51,542
+HK$2,581/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$97,922/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,714
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,229
−HK$1,540/mo
Today · 4.125%
HK$51,769
baseline
▲ 0.50% · 4.625%
HK$54,919
+HK$3,150/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,538/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,194
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,647
−HK$1,475/mo
Today · 4.125%
HK$57,122
baseline
▲ 0.50% · 4.625%
HK$60,132
+HK$3,010/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,244/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,632
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,580
−HK$1,980/mo
Today · 4.125%
HK$66,560
baseline
▲ 0.50% · 4.625%
HK$70,610
+HK$4,050/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,120/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,678
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,546
−HK$1,896/mo
Today · 4.125%
HK$73,442
baseline
▲ 0.50% · 4.625%
HK$77,313
+HK$3,871/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,884/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,232 · Scale 2, in force from 26 Feb 2026)