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$34,814
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,897
−HK$1,100/mo
Today · 4.125%
HK$36,997
baseline
▲ 0.50% · 4.625%
HK$39,248
+HK$2,251/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,994/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,730
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,769
−HK$1,054/mo
Today · 4.125%
HK$40,823
baseline
▲ 0.50% · 4.625%
HK$42,974
+HK$2,151/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,646/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,777
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,076
−HK$1,321/mo
Today · 4.125%
HK$44,397
baseline
▲ 0.50% · 4.625%
HK$47,098
+HK$2,701/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,794/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,476
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,723
−HK$1,264/mo
Today · 4.125%
HK$48,987
baseline
▲ 0.50% · 4.625%
HK$51,569
+HK$2,582/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,974/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,740
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,256
−HK$1,540/mo
Today · 4.125%
HK$51,796
baseline
▲ 0.50% · 4.625%
HK$54,948
+HK$3,152/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,592/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,222
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,676
−HK$1,476/mo
Today · 4.125%
HK$57,152
baseline
▲ 0.50% · 4.625%
HK$60,164
+HK$3,012/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,304/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,665
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,614
−HK$1,981/mo
Today · 4.125%
HK$66,595
baseline
▲ 0.50% · 4.625%
HK$70,647
+HK$4,052/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,190/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,714
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,584
−HK$1,897/mo
Today · 4.125%
HK$73,481
baseline
▲ 0.50% · 4.625%
HK$77,354
+HK$3,873/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,962/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,534 · Scale 2, in force from 26 Feb 2026)