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$34,804
−HK$2,183/mo
▼ 0.25% · 3.875%
HK$35,887
−HK$1,100/mo
Today · 4.125%
HK$36,987
baseline
▲ 0.50% · 4.625%
HK$39,237
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,974/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,720
−HK$2,091/mo
▼ 0.25% · 3.875%
HK$39,758
−HK$1,053/mo
Today · 4.125%
HK$40,811
baseline
▲ 0.50% · 4.625%
HK$42,963
+HK$2,152/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,622/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,765
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,064
−HK$1,320/mo
Today · 4.125%
HK$44,384
baseline
▲ 0.50% · 4.625%
HK$47,085
+HK$2,701/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,768/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,463
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,710
−HK$1,264/mo
Today · 4.125%
HK$48,974
baseline
▲ 0.50% · 4.625%
HK$51,555
+HK$2,581/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,948/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,726
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,242
−HK$1,540/mo
Today · 4.125%
HK$51,782
baseline
▲ 0.50% · 4.625%
HK$54,932
+HK$3,150/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,564/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,207
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,661
−HK$1,475/mo
Today · 4.125%
HK$57,136
baseline
▲ 0.50% · 4.625%
HK$60,148
+HK$3,012/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,272/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,648
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,597
−HK$1,979/mo
Today · 4.125%
HK$66,576
baseline
▲ 0.50% · 4.625%
HK$70,627
+HK$4,051/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,152/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,695
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,564
−HK$1,897/mo
Today · 4.125%
HK$73,461
baseline
▲ 0.50% · 4.625%
HK$77,333
+HK$3,872/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,922/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,377 · Scale 2, in force from 26 Feb 2026)