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$34,805
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,888
−HK$1,100/mo
Today · 4.125%
HK$36,988
baseline
▲ 0.50% · 4.625%
HK$39,238
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,976/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,720
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,759
−HK$1,053/mo
Today · 4.125%
HK$40,812
baseline
▲ 0.50% · 4.625%
HK$42,963
+HK$2,151/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,624/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,766
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,065
−HK$1,320/mo
Today · 4.125%
HK$44,385
baseline
▲ 0.50% · 4.625%
HK$47,086
+HK$2,701/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,770/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,464
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,710
−HK$1,265/mo
Today · 4.125%
HK$48,975
baseline
▲ 0.50% · 4.625%
HK$51,556
+HK$2,581/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,950/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,727
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,243
−HK$1,540/mo
Today · 4.125%
HK$51,783
baseline
▲ 0.50% · 4.625%
HK$54,933
+HK$3,150/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,566/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,208
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,662
−HK$1,475/mo
Today · 4.125%
HK$57,137
baseline
▲ 0.50% · 4.625%
HK$60,149
+HK$3,012/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,274/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,649
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,598
−HK$1,980/mo
Today · 4.125%
HK$66,578
baseline
▲ 0.50% · 4.625%
HK$70,629
+HK$4,051/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,156/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,696
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,566
−HK$1,896/mo
Today · 4.125%
HK$73,462
baseline
▲ 0.50% · 4.625%
HK$77,334
+HK$3,872/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,924/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,386 · Scale 2, in force from 26 Feb 2026)