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$34,777
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,859
−HK$1,099/mo
Today · 4.125%
HK$36,958
baseline
▲ 0.50% · 4.625%
HK$39,207
+HK$2,249/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,916/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,689
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,727
−HK$1,053/mo
Today · 4.125%
HK$40,780
baseline
▲ 0.50% · 4.625%
HK$42,929
+HK$2,149/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,560/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,733
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,031
−HK$1,319/mo
Today · 4.125%
HK$44,350
baseline
▲ 0.50% · 4.625%
HK$47,048
+HK$2,698/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,700/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,427
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,672
−HK$1,263/mo
Today · 4.125%
HK$48,935
baseline
▲ 0.50% · 4.625%
HK$51,515
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,870/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,688
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,203
−HK$1,538/mo
Today · 4.125%
HK$51,741
baseline
▲ 0.50% · 4.625%
HK$54,890
+HK$3,149/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,482/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,165
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,618
−HK$1,473/mo
Today · 4.125%
HK$57,091
baseline
▲ 0.50% · 4.625%
HK$60,101
+HK$3,010/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,182/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,599
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,546
−HK$1,978/mo
Today · 4.125%
HK$66,524
baseline
▲ 0.50% · 4.625%
HK$70,572
+HK$4,048/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,048/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,641
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,508
−HK$1,895/mo
Today · 4.125%
HK$73,403
baseline
▲ 0.50% · 4.625%
HK$77,272
+HK$3,869/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,806/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,929 · Scale 2, in force from 26 Feb 2026)