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$34,794
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,876
−HK$1,099/mo
Today · 4.125%
HK$36,975
baseline
▲ 0.50% · 4.625%
HK$39,225
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,950/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,708
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,746
−HK$1,053/mo
Today · 4.125%
HK$40,799
baseline
▲ 0.50% · 4.625%
HK$42,949
+HK$2,150/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,598/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,752
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,051
−HK$1,320/mo
Today · 4.125%
HK$44,371
baseline
▲ 0.50% · 4.625%
HK$47,070
+HK$2,699/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$88,742/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,449
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,695
−HK$1,264/mo
Today · 4.125%
HK$48,959
baseline
▲ 0.50% · 4.625%
HK$51,539
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$97,918/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,711
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,226
−HK$1,540/mo
Today · 4.125%
HK$51,766
baseline
▲ 0.50% · 4.625%
HK$54,915
+HK$3,149/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,532/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,191
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,644
−HK$1,474/mo
Today · 4.125%
HK$57,118
baseline
▲ 0.50% · 4.625%
HK$60,129
+HK$3,011/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,236/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,629
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,577
−HK$1,979/mo
Today · 4.125%
HK$66,556
baseline
▲ 0.50% · 4.625%
HK$70,606
+HK$4,050/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,112/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,674
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,542
−HK$1,896/mo
Today · 4.125%
HK$73,438
baseline
▲ 0.50% · 4.625%
HK$77,309
+HK$3,871/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,876/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,199 · Scale 2, in force from 26 Feb 2026)