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$34,798
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,881
−HK$1,099/mo
Today · 4.125%
HK$36,980
baseline
▲ 0.50% · 4.625%
HK$39,231
+HK$2,251/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,960/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,713
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,751
−HK$1,053/mo
Today · 4.125%
HK$40,804
baseline
▲ 0.50% · 4.625%
HK$42,955
+HK$2,151/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,608/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,758
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,057
−HK$1,319/mo
Today · 4.125%
HK$44,376
baseline
▲ 0.50% · 4.625%
HK$47,077
+HK$2,701/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$88,752/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,455
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,701
−HK$1,264/mo
Today · 4.125%
HK$48,965
baseline
▲ 0.50% · 4.625%
HK$51,546
+HK$2,581/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$97,930/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,717
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,233
−HK$1,539/mo
Today · 4.125%
HK$51,772
baseline
▲ 0.50% · 4.625%
HK$54,923
+HK$3,151/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,544/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,198
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,651
−HK$1,475/mo
Today · 4.125%
HK$57,126
baseline
▲ 0.50% · 4.625%
HK$60,137
+HK$3,011/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,252/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,637
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,585
−HK$1,980/mo
Today · 4.125%
HK$66,565
baseline
▲ 0.50% · 4.625%
HK$70,615
+HK$4,050/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,130/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,683
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,552
−HK$1,895/mo
Today · 4.125%
HK$73,447
baseline
▲ 0.50% · 4.625%
HK$77,319
+HK$3,872/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,894/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,275 · Scale 2, in force from 26 Feb 2026)