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$34,819
−HK$2,184/mo
▼ 0.25% · 3.875%
HK$35,903
−HK$1,100/mo
Today · 4.125%
HK$37,003
baseline
▲ 0.50% · 4.625%
HK$39,255
+HK$2,252/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$74,006/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,736
−HK$2,093/mo
▼ 0.25% · 3.875%
HK$39,775
−HK$1,054/mo
Today · 4.125%
HK$40,829
baseline
▲ 0.50% · 4.625%
HK$42,981
+HK$2,152/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,658/mo (50% DSR)
Upfront cash ≈ HK$8.21M (deposit + AVD stamp duty HK$572,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,783
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,083
−HK$1,321/mo
Today · 4.125%
HK$44,404
baseline
▲ 0.50% · 4.625%
HK$47,105
+HK$2,701/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,808/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,484
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,730
−HK$1,265/mo
Today · 4.125%
HK$48,995
baseline
▲ 0.50% · 4.625%
HK$51,578
+HK$2,583/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,990/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,747
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,264
−HK$1,540/mo
Today · 4.125%
HK$51,804
baseline
▲ 0.50% · 4.625%
HK$54,956
+HK$3,152/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$103,608/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,231
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,685
−HK$1,476/mo
Today · 4.125%
HK$57,161
baseline
▲ 0.50% · 4.625%
HK$60,174
+HK$3,013/mo
Deposit HK$4.58M · loan HK$10.69M · min. income ≈ HK$114,322/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,675
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,625
−HK$1,980/mo
Today · 4.125%
HK$66,605
baseline
▲ 0.50% · 4.625%
HK$70,658
+HK$4,053/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,210/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,725
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,595
−HK$1,897/mo
Today · 4.125%
HK$73,492
baseline
▲ 0.50% · 4.625%
HK$77,366
+HK$3,874/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,984/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,625 · Scale 2, in force from 26 Feb 2026)