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$34,788
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,870
−HK$1,099/mo
Today · 4.125%
HK$36,969
baseline
▲ 0.50% · 4.625%
HK$39,219
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,938/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,701
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,739
−HK$1,053/mo
Today · 4.125%
HK$40,792
baseline
▲ 0.50% · 4.625%
HK$42,942
+HK$2,150/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,584/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,745
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,044
−HK$1,319/mo
Today · 4.125%
HK$44,363
baseline
▲ 0.50% · 4.625%
HK$47,062
+HK$2,699/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,726/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,441
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,686
−HK$1,264/mo
Today · 4.125%
HK$48,950
baseline
▲ 0.50% · 4.625%
HK$51,530
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,900/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$572,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,703
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,218
−HK$1,539/mo
Today · 4.125%
HK$51,757
baseline
▲ 0.50% · 4.625%
HK$54,906
+HK$3,149/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,514/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,181
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,634
−HK$1,474/mo
Today · 4.125%
HK$57,108
baseline
▲ 0.50% · 4.625%
HK$60,119
+HK$3,011/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,216/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,618
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,565
−HK$1,979/mo
Today · 4.125%
HK$66,544
baseline
▲ 0.50% · 4.625%
HK$70,593
+HK$4,049/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,088/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,661
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,530
−HK$1,895/mo
Today · 4.125%
HK$73,425
baseline
▲ 0.50% · 4.625%
HK$77,295
+HK$3,870/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,850/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,100 · Scale 2, in force from 26 Feb 2026)