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$34,790
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,872
−HK$1,099/mo
Today · 4.125%
HK$36,971
baseline
▲ 0.50% · 4.625%
HK$39,221
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,942/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,703
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,741
−HK$1,053/mo
Today · 4.125%
HK$40,794
baseline
▲ 0.50% · 4.625%
HK$42,945
+HK$2,151/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,588/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,748
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,046
−HK$1,320/mo
Today · 4.125%
HK$44,366
baseline
▲ 0.50% · 4.625%
HK$47,065
+HK$2,699/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,732/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,444
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,690
−HK$1,263/mo
Today · 4.125%
HK$48,953
baseline
▲ 0.50% · 4.625%
HK$51,534
+HK$2,581/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,906/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,706
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,221
−HK$1,539/mo
Today · 4.125%
HK$51,760
baseline
▲ 0.50% · 4.625%
HK$54,909
+HK$3,149/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,520/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,185
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,638
−HK$1,474/mo
Today · 4.125%
HK$57,112
baseline
▲ 0.50% · 4.625%
HK$60,122
+HK$3,010/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,224/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,622
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,569
−HK$1,980/mo
Today · 4.125%
HK$66,549
baseline
▲ 0.50% · 4.625%
HK$70,598
+HK$4,049/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,098/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,666
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,534
−HK$1,896/mo
Today · 4.125%
HK$73,430
baseline
▲ 0.50% · 4.625%
HK$77,300
+HK$3,870/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,860/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,136 · Scale 2, in force from 26 Feb 2026)