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$34,778
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,860
−HK$1,099/mo
Today · 4.125%
HK$36,959
baseline
▲ 0.50% · 4.625%
HK$39,208
+HK$2,249/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,918/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,690
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,728
−HK$1,053/mo
Today · 4.125%
HK$40,781
baseline
▲ 0.50% · 4.625%
HK$42,930
+HK$2,149/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,562/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,734
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,032
−HK$1,319/mo
Today · 4.125%
HK$44,351
baseline
▲ 0.50% · 4.625%
HK$47,049
+HK$2,698/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,702/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,428
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,673
−HK$1,264/mo
Today · 4.125%
HK$48,937
baseline
▲ 0.50% · 4.625%
HK$51,516
+HK$2,579/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,874/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,689
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,204
−HK$1,539/mo
Today · 4.125%
HK$51,743
baseline
▲ 0.50% · 4.625%
HK$54,891
+HK$3,148/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,486/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,166
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,619
−HK$1,474/mo
Today · 4.125%
HK$57,093
baseline
▲ 0.50% · 4.625%
HK$60,102
+HK$3,009/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,186/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,601
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,548
−HK$1,978/mo
Today · 4.125%
HK$66,526
baseline
▲ 0.50% · 4.625%
HK$70,574
+HK$4,048/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,052/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,642
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,510
−HK$1,895/mo
Today · 4.125%
HK$73,405
baseline
▲ 0.50% · 4.625%
HK$77,274
+HK$3,869/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,810/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,944 · Scale 2, in force from 26 Feb 2026)