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$34,734
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,814
−HK$1,098/mo
Today · 4.125%
HK$36,912
baseline
▲ 0.50% · 4.625%
HK$39,158
+HK$2,246/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,824/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,641
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,678
−HK$1,051/mo
Today · 4.125%
HK$40,729
baseline
▲ 0.50% · 4.625%
HK$42,876
+HK$2,147/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,458/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,681
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,977
−HK$1,318/mo
Today · 4.125%
HK$44,295
baseline
▲ 0.50% · 4.625%
HK$46,990
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,590/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,369
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,613
−HK$1,262/mo
Today · 4.125%
HK$48,875
baseline
▲ 0.50% · 4.625%
HK$51,451
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,750/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,628
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,140
−HK$1,537/mo
Today · 4.125%
HK$51,677
baseline
▲ 0.50% · 4.625%
HK$54,821
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,354/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,098
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,549
−HK$1,471/mo
Today · 4.125%
HK$57,020
baseline
▲ 0.50% · 4.625%
HK$60,026
+HK$3,006/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,040/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,521
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,466
−HK$1,976/mo
Today · 4.125%
HK$66,442
baseline
▲ 0.50% · 4.625%
HK$70,485
+HK$4,043/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,884/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,554
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,420
−HK$1,892/mo
Today · 4.125%
HK$73,312
baseline
▲ 0.50% · 4.625%
HK$77,176
+HK$3,864/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,624/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,219 · Scale 2, in force from 26 Feb 2026)