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$34,690
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,770
−HK$1,096/mo
Today · 4.125%
HK$36,866
baseline
▲ 0.50% · 4.625%
HK$39,109
+HK$2,243/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,732/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,593
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,628
−HK$1,050/mo
Today · 4.125%
HK$40,678
baseline
▲ 0.50% · 4.625%
HK$42,822
+HK$2,144/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,356/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,629
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,923
−HK$1,316/mo
Today · 4.125%
HK$44,239
baseline
▲ 0.50% · 4.625%
HK$46,931
+HK$2,692/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,478/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,311
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,553
−HK$1,260/mo
Today · 4.125%
HK$48,813
baseline
▲ 0.50% · 4.625%
HK$51,386
+HK$2,573/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,626/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,567
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,077
−HK$1,535/mo
Today · 4.125%
HK$51,612
baseline
▲ 0.50% · 4.625%
HK$54,753
+HK$3,141/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,224/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,030
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,479
−HK$1,470/mo
Today · 4.125%
HK$56,949
baseline
▲ 0.50% · 4.625%
HK$59,951
+HK$3,002/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,898/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,443
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,385
−HK$1,974/mo
Today · 4.125%
HK$66,359
baseline
▲ 0.50% · 4.625%
HK$70,396
+HK$4,037/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,718/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,467
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,330
−HK$1,890/mo
Today · 4.125%
HK$73,220
baseline
▲ 0.50% · 4.625%
HK$77,080
+HK$3,860/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,440/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,503 · Scale 2, in force from 26 Feb 2026)