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$2,182/mo
▼ 0.25% · 3.875%
HK$35,886
−HK$1,100/mo
Today · 4.125%
HK$36,986
baseline
▲ 0.50% · 4.625%
HK$39,237
+HK$2,251/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,972/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$572,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,719
−HK$2,092/mo
▼ 0.25% · 3.875%
HK$39,757
−HK$1,054/mo
Today · 4.125%
HK$40,811
baseline
▲ 0.50% · 4.625%
HK$42,962
+HK$2,151/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$572,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,764
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,063
−HK$1,320/mo
Today · 4.125%
HK$44,383
baseline
▲ 0.50% · 4.625%
HK$47,084
+HK$2,701/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$88,766/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,462
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,709
−HK$1,264/mo
Today · 4.125%
HK$48,973
baseline
▲ 0.50% · 4.625%
HK$51,554
+HK$2,581/mo
Deposit HK$6.11M · loan HK$9.16M · min. income ≈ HK$97,946/mo (50% DSR)
Upfront cash ≈ HK$6.68M (deposit + AVD stamp duty HK$572,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,725
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,241
−HK$1,540/mo
Today · 4.125%
HK$51,781
baseline
▲ 0.50% · 4.625%
HK$54,931
+HK$3,150/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,562/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,206
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,660
−HK$1,475/mo
Today · 4.125%
HK$57,135
baseline
▲ 0.50% · 4.625%
HK$60,146
+HK$3,011/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,270/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$572,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,647
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,595
−HK$1,980/mo
Today · 4.125%
HK$66,575
baseline
▲ 0.50% · 4.625%
HK$70,626
+HK$4,051/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$133,150/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,694
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,563
−HK$1,896/mo
Today · 4.125%
HK$73,459
baseline
▲ 0.50% · 4.625%
HK$77,331
+HK$3,872/mo
Deposit HK$1.53M · loan HK$13.74M · min. income ≈ HK$146,918/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$572,365 · Scale 2, in force from 26 Feb 2026)