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$34,800
−HK$2,182/mo
▼ 0.25% · 3.875%
HK$35,882
−HK$1,100/mo
Today · 4.125%
HK$36,982
baseline
▲ 0.50% · 4.625%
HK$39,232
+HK$2,250/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,964/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,714
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,752
−HK$1,054/mo
Today · 4.125%
HK$40,806
baseline
▲ 0.50% · 4.625%
HK$42,957
+HK$2,151/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,612/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,759
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,058
−HK$1,320/mo
Today · 4.125%
HK$44,378
baseline
▲ 0.50% · 4.625%
HK$47,078
+HK$2,700/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$88,756/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,457
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,703
−HK$1,264/mo
Today · 4.125%
HK$48,967
baseline
▲ 0.50% · 4.625%
HK$51,548
+HK$2,581/mo
Deposit HK$6.10M · loan HK$9.16M · min. income ≈ HK$97,934/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,719
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,235
−HK$1,539/mo
Today · 4.125%
HK$51,774
baseline
▲ 0.50% · 4.625%
HK$54,925
+HK$3,151/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,548/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,200
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,653
−HK$1,475/mo
Today · 4.125%
HK$57,128
baseline
▲ 0.50% · 4.625%
HK$60,139
+HK$3,011/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,256/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,639
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,588
−HK$1,979/mo
Today · 4.125%
HK$66,567
baseline
▲ 0.50% · 4.625%
HK$70,618
+HK$4,051/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,134/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,685
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,554
−HK$1,896/mo
Today · 4.125%
HK$73,450
baseline
▲ 0.50% · 4.625%
HK$77,322
+HK$3,872/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,900/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,296 · Scale 2, in force from 26 Feb 2026)