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$34,705
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,784
−HK$1,097/mo
Today · 4.125%
HK$36,881
baseline
▲ 0.50% · 4.625%
HK$39,125
+HK$2,244/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,762/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,609
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,644
−HK$1,050/mo
Today · 4.125%
HK$40,694
baseline
▲ 0.50% · 4.625%
HK$42,839
+HK$2,145/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,388/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,646
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,941
−HK$1,316/mo
Today · 4.125%
HK$44,257
baseline
▲ 0.50% · 4.625%
HK$46,950
+HK$2,693/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,514/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,330
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,573
−HK$1,260/mo
Today · 4.125%
HK$48,833
baseline
▲ 0.50% · 4.625%
HK$51,407
+HK$2,574/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,666/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,586
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,098
−HK$1,535/mo
Today · 4.125%
HK$51,633
baseline
▲ 0.50% · 4.625%
HK$54,775
+HK$3,142/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$103,266/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,052
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,502
−HK$1,470/mo
Today · 4.125%
HK$56,972
baseline
▲ 0.50% · 4.625%
HK$59,975
+HK$3,003/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$113,944/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,468
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,411
−HK$1,975/mo
Today · 4.125%
HK$66,386
baseline
▲ 0.50% · 4.625%
HK$70,425
+HK$4,039/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,772/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,495
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,359
−HK$1,891/mo
Today · 4.125%
HK$73,250
baseline
▲ 0.50% · 4.625%
HK$77,111
+HK$3,861/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,500/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,736 · Scale 2, in force from 26 Feb 2026)