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$34,819
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,902
−HK$1,100/mo
Today · 4.125%
HK$37,002
baseline
▲ 0.50% · 4.625%
HK$39,254
+HK$2,252/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$74,004/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,736
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,775
−HK$1,054/mo
Today · 4.125%
HK$40,829
baseline
▲ 0.50% · 4.625%
HK$42,981
+HK$2,152/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,658/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,783
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,082
−HK$1,321/mo
Today · 4.125%
HK$44,403
baseline
▲ 0.50% · 4.625%
HK$47,105
+HK$2,702/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,806/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,483
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,730
−HK$1,264/mo
Today · 4.125%
HK$48,994
baseline
▲ 0.50% · 4.625%
HK$51,577
+HK$2,583/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,988/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,747
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,263
−HK$1,540/mo
Today · 4.125%
HK$51,803
baseline
▲ 0.50% · 4.625%
HK$54,955
+HK$3,152/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,606/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,230
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,684
−HK$1,476/mo
Today · 4.125%
HK$57,160
baseline
▲ 0.50% · 4.625%
HK$60,173
+HK$3,013/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,320/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,674
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,624
−HK$1,980/mo
Today · 4.125%
HK$66,604
baseline
▲ 0.50% · 4.625%
HK$70,657
+HK$4,053/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,208/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,724
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,594
−HK$1,897/mo
Today · 4.125%
HK$73,491
baseline
▲ 0.50% · 4.625%
HK$77,365
+HK$3,874/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,982/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,616 · Scale 2, in force from 26 Feb 2026)