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$34,781
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,863
−HK$1,099/mo
Today · 4.125%
HK$36,962
baseline
▲ 0.50% · 4.625%
HK$39,211
+HK$2,249/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,924/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,694
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,731
−HK$1,053/mo
Today · 4.125%
HK$40,784
baseline
▲ 0.50% · 4.625%
HK$42,934
+HK$2,150/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,568/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,737
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,036
−HK$1,319/mo
Today · 4.125%
HK$44,355
baseline
▲ 0.50% · 4.625%
HK$47,054
+HK$2,699/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,710/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,432
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,678
−HK$1,263/mo
Today · 4.125%
HK$48,941
baseline
▲ 0.50% · 4.625%
HK$51,521
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,882/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,694
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,208
−HK$1,539/mo
Today · 4.125%
HK$51,747
baseline
▲ 0.50% · 4.625%
HK$54,896
+HK$3,149/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,494/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,171
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,624
−HK$1,474/mo
Today · 4.125%
HK$57,098
baseline
▲ 0.50% · 4.625%
HK$60,108
+HK$3,010/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,196/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,606
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,554
−HK$1,978/mo
Today · 4.125%
HK$66,532
baseline
▲ 0.50% · 4.625%
HK$70,580
+HK$4,048/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,064/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,649
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,517
−HK$1,895/mo
Today · 4.125%
HK$73,412
baseline
▲ 0.50% · 4.625%
HK$77,281
+HK$3,869/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,824/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,995 · Scale 2, in force from 26 Feb 2026)