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$34,775
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,857
−HK$1,099/mo
Today · 4.125%
HK$36,956
baseline
▲ 0.50% · 4.625%
HK$39,204
+HK$2,248/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$73,912/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,687
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,724
−HK$1,053/mo
Today · 4.125%
HK$40,777
baseline
▲ 0.50% · 4.625%
HK$42,926
+HK$2,149/mo
Deposit HK$7.63M · loan HK$7.63M · min. income ≈ HK$81,554/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,730
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,028
−HK$1,319/mo
Today · 4.125%
HK$44,347
baseline
▲ 0.50% · 4.625%
HK$47,045
+HK$2,698/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,694/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,424
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,669
−HK$1,263/mo
Today · 4.125%
HK$48,932
baseline
▲ 0.50% · 4.625%
HK$51,512
+HK$2,580/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,864/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,685
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,199
−HK$1,539/mo
Today · 4.125%
HK$51,738
baseline
▲ 0.50% · 4.625%
HK$54,886
+HK$3,148/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$103,476/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,162
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,614
−HK$1,474/mo
Today · 4.125%
HK$57,088
baseline
▲ 0.50% · 4.625%
HK$60,097
+HK$3,009/mo
Deposit HK$4.58M · loan HK$10.68M · min. income ≈ HK$114,176/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,595
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,542
−HK$1,978/mo
Today · 4.125%
HK$66,520
baseline
▲ 0.50% · 4.625%
HK$70,568
+HK$4,048/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$133,040/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,636
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,504
−HK$1,895/mo
Today · 4.125%
HK$73,399
baseline
▲ 0.50% · 4.625%
HK$77,267
+HK$3,868/mo
Deposit HK$1.53M · loan HK$13.73M · min. income ≈ HK$146,798/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,893 · Scale 2, in force from 26 Feb 2026)