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$34,806
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,889
−HK$1,100/mo
Today · 4.125%
HK$36,989
baseline
▲ 0.50% · 4.625%
HK$39,239
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,978/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,721
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,760
−HK$1,053/mo
Today · 4.125%
HK$40,813
baseline
▲ 0.50% · 4.625%
HK$42,965
+HK$2,152/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,626/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,767
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,066
−HK$1,320/mo
Today · 4.125%
HK$44,386
baseline
▲ 0.50% · 4.625%
HK$47,087
+HK$2,701/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,772/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,466
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,712
−HK$1,264/mo
Today · 4.125%
HK$48,976
baseline
▲ 0.50% · 4.625%
HK$51,558
+HK$2,582/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,952/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,729
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,244
−HK$1,540/mo
Today · 4.125%
HK$51,784
baseline
▲ 0.50% · 4.625%
HK$54,935
+HK$3,151/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,568/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,210
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,664
−HK$1,475/mo
Today · 4.125%
HK$57,139
baseline
▲ 0.50% · 4.625%
HK$60,151
+HK$3,012/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,278/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,651
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,600
−HK$1,980/mo
Today · 4.125%
HK$66,580
baseline
▲ 0.50% · 4.625%
HK$70,631
+HK$4,051/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,160/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,699
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,568
−HK$1,896/mo
Today · 4.125%
HK$73,464
baseline
▲ 0.50% · 4.625%
HK$77,337
+HK$3,873/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,928/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,404 · Scale 2, in force from 26 Feb 2026)