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$34,791
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,873
−HK$1,099/mo
Today · 4.125%
HK$36,972
baseline
▲ 0.50% · 4.625%
HK$39,222
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,944/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,704
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,742
−HK$1,053/mo
Today · 4.125%
HK$40,795
baseline
▲ 0.50% · 4.625%
HK$42,946
+HK$2,151/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,590/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,749
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,048
−HK$1,319/mo
Today · 4.125%
HK$44,367
baseline
▲ 0.50% · 4.625%
HK$47,067
+HK$2,700/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,734/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,445
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,691
−HK$1,264/mo
Today · 4.125%
HK$48,955
baseline
▲ 0.50% · 4.625%
HK$51,535
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,910/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,707
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,222
−HK$1,539/mo
Today · 4.125%
HK$51,761
baseline
▲ 0.50% · 4.625%
HK$54,911
+HK$3,150/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,522/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,186
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,639
−HK$1,475/mo
Today · 4.125%
HK$57,114
baseline
▲ 0.50% · 4.625%
HK$60,124
+HK$3,010/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,228/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,623
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,571
−HK$1,979/mo
Today · 4.125%
HK$66,550
baseline
▲ 0.50% · 4.625%
HK$70,600
+HK$4,050/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,100/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,668
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,536
−HK$1,896/mo
Today · 4.125%
HK$73,432
baseline
▲ 0.50% · 4.625%
HK$77,303
+HK$3,871/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,864/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,153 · Scale 2, in force from 26 Feb 2026)