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$34,743
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,824
−HK$1,098/mo
Today · 4.125%
HK$36,922
baseline
▲ 0.50% · 4.625%
HK$39,168
+HK$2,246/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,844/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,651
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,688
−HK$1,052/mo
Today · 4.125%
HK$40,740
baseline
▲ 0.50% · 4.625%
HK$42,887
+HK$2,147/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,480/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,692
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,989
−HK$1,317/mo
Today · 4.125%
HK$44,306
baseline
▲ 0.50% · 4.625%
HK$47,002
+HK$2,696/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,612/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,382
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,626
−HK$1,262/mo
Today · 4.125%
HK$48,888
baseline
▲ 0.50% · 4.625%
HK$51,465
+HK$2,577/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,776/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,640
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,153
−HK$1,538/mo
Today · 4.125%
HK$51,691
baseline
▲ 0.50% · 4.625%
HK$54,836
+HK$3,145/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,382/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,112
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,563
−HK$1,473/mo
Today · 4.125%
HK$57,036
baseline
▲ 0.50% · 4.625%
HK$60,042
+HK$3,006/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,072/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,538
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,483
−HK$1,976/mo
Today · 4.125%
HK$66,459
baseline
▲ 0.50% · 4.625%
HK$70,503
+HK$4,044/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,918/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,573
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,438
−HK$1,893/mo
Today · 4.125%
HK$73,331
baseline
▲ 0.50% · 4.625%
HK$77,197
+HK$3,866/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,662/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,370 · Scale 2, in force from 26 Feb 2026)