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$34,817
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,900
−HK$1,100/mo
Today · 4.125%
HK$37,000
baseline
▲ 0.50% · 4.625%
HK$39,251
+HK$2,251/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$74,000/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,733
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,772
−HK$1,054/mo
Today · 4.125%
HK$40,826
baseline
▲ 0.50% · 4.625%
HK$42,978
+HK$2,152/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,652/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,780
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,080
−HK$1,320/mo
Today · 4.125%
HK$44,400
baseline
▲ 0.50% · 4.625%
HK$47,102
+HK$2,702/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,800/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,480
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,726
−HK$1,265/mo
Today · 4.125%
HK$48,991
baseline
▲ 0.50% · 4.625%
HK$51,573
+HK$2,582/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,982/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,743
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,260
−HK$1,540/mo
Today · 4.125%
HK$51,800
baseline
▲ 0.50% · 4.625%
HK$54,952
+HK$3,152/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,600/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,226
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,681
−HK$1,475/mo
Today · 4.125%
HK$57,156
baseline
▲ 0.50% · 4.625%
HK$60,169
+HK$3,013/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,312/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,670
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,619
−HK$1,981/mo
Today · 4.125%
HK$66,600
baseline
▲ 0.50% · 4.625%
HK$70,652
+HK$4,052/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,200/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,720
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,590
−HK$1,896/mo
Today · 4.125%
HK$73,486
baseline
▲ 0.50% · 4.625%
HK$77,360
+HK$3,874/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,972/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,579 · Scale 2, in force from 26 Feb 2026)