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$34,749
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,830
−HK$1,098/mo
Today · 4.125%
HK$36,928
baseline
▲ 0.50% · 4.625%
HK$39,175
+HK$2,247/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,856/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,658
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,695
−HK$1,052/mo
Today · 4.125%
HK$40,747
baseline
▲ 0.50% · 4.625%
HK$42,894
+HK$2,147/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,494/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,699
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,996
−HK$1,318/mo
Today · 4.125%
HK$44,314
baseline
▲ 0.50% · 4.625%
HK$47,010
+HK$2,696/mo
Deposit HK$6.10M · loan HK$9.14M · min. income ≈ HK$88,628/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,390
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,634
−HK$1,262/mo
Today · 4.125%
HK$48,896
baseline
▲ 0.50% · 4.625%
HK$51,473
+HK$2,577/mo
Deposit HK$6.10M · loan HK$9.14M · min. income ≈ HK$97,792/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,649
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,162
−HK$1,537/mo
Today · 4.125%
HK$51,699
baseline
▲ 0.50% · 4.625%
HK$54,845
+HK$3,146/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,398/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,121
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,573
−HK$1,472/mo
Today · 4.125%
HK$57,045
baseline
▲ 0.50% · 4.625%
HK$60,052
+HK$3,007/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,090/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,548
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,494
−HK$1,977/mo
Today · 4.125%
HK$66,471
baseline
▲ 0.50% · 4.625%
HK$70,515
+HK$4,044/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$132,942/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,584
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,451
−HK$1,893/mo
Today · 4.125%
HK$73,344
baseline
▲ 0.50% · 4.625%
HK$77,210
+HK$3,866/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,688/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,466 · Scale 2, in force from 26 Feb 2026)