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$34,793
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,875
−HK$1,100/mo
Today · 4.125%
HK$36,975
baseline
▲ 0.50% · 4.625%
HK$39,225
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,950/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,707
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,745
−HK$1,053/mo
Today · 4.125%
HK$40,798
baseline
▲ 0.50% · 4.625%
HK$42,949
+HK$2,151/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,596/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,752
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,050
−HK$1,320/mo
Today · 4.125%
HK$44,370
baseline
▲ 0.50% · 4.625%
HK$47,070
+HK$2,700/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$88,740/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,448
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,694
−HK$1,264/mo
Today · 4.125%
HK$48,958
baseline
▲ 0.50% · 4.625%
HK$51,538
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$97,916/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,710
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,226
−HK$1,539/mo
Today · 4.125%
HK$51,765
baseline
▲ 0.50% · 4.625%
HK$54,915
+HK$3,150/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,530/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,190
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,643
−HK$1,474/mo
Today · 4.125%
HK$57,117
baseline
▲ 0.50% · 4.625%
HK$60,128
+HK$3,011/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,234/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,628
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,576
−HK$1,979/mo
Today · 4.125%
HK$66,555
baseline
▲ 0.50% · 4.625%
HK$70,605
+HK$4,050/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,110/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,673
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,541
−HK$1,896/mo
Today · 4.125%
HK$73,437
baseline
▲ 0.50% · 4.625%
HK$77,308
+HK$3,871/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,874/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,191 · Scale 2, in force from 26 Feb 2026)