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$34,774
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,856
−HK$1,099/mo
Today · 4.125%
HK$36,955
baseline
▲ 0.50% · 4.625%
HK$39,203
+HK$2,248/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,910/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,686
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,723
−HK$1,053/mo
Today · 4.125%
HK$40,776
baseline
▲ 0.50% · 4.625%
HK$42,925
+HK$2,149/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,552/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,729
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,027
−HK$1,319/mo
Today · 4.125%
HK$44,346
baseline
▲ 0.50% · 4.625%
HK$47,044
+HK$2,698/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,692/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,423
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,668
−HK$1,263/mo
Today · 4.125%
HK$48,931
baseline
▲ 0.50% · 4.625%
HK$51,510
+HK$2,579/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,862/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,684
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,198
−HK$1,539/mo
Today · 4.125%
HK$51,737
baseline
▲ 0.50% · 4.625%
HK$54,885
+HK$3,148/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,474/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,160
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,613
−HK$1,473/mo
Today · 4.125%
HK$57,086
baseline
▲ 0.50% · 4.625%
HK$60,095
+HK$3,009/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,172/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,593
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,541
−HK$1,978/mo
Today · 4.125%
HK$66,519
baseline
▲ 0.50% · 4.625%
HK$70,566
+HK$4,047/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,038/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,635
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,502
−HK$1,895/mo
Today · 4.125%
HK$73,397
baseline
▲ 0.50% · 4.625%
HK$77,266
+HK$3,869/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,794/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,880 · Scale 2, in force from 26 Feb 2026)