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$34,759
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,841
−HK$1,098/mo
Today · 4.125%
HK$36,939
baseline
▲ 0.50% · 4.625%
HK$39,187
+HK$2,248/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,878/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,669
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,706
−HK$1,053/mo
Today · 4.125%
HK$40,759
baseline
▲ 0.50% · 4.625%
HK$42,907
+HK$2,148/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,518/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,711
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,009
−HK$1,318/mo
Today · 4.125%
HK$44,327
baseline
▲ 0.50% · 4.625%
HK$47,024
+HK$2,697/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,654/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,403
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,648
−HK$1,262/mo
Today · 4.125%
HK$48,910
baseline
▲ 0.50% · 4.625%
HK$51,488
+HK$2,578/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,820/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,663
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,177
−HK$1,538/mo
Today · 4.125%
HK$51,715
baseline
▲ 0.50% · 4.625%
HK$54,861
+HK$3,146/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,430/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,137
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,589
−HK$1,473/mo
Today · 4.125%
HK$57,062
baseline
▲ 0.50% · 4.625%
HK$60,070
+HK$3,008/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,124/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,567
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,513
−HK$1,977/mo
Today · 4.125%
HK$66,490
baseline
▲ 0.50% · 4.625%
HK$70,536
+HK$4,046/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$132,980/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,605
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,472
−HK$1,893/mo
Today · 4.125%
HK$73,365
baseline
▲ 0.50% · 4.625%
HK$77,233
+HK$3,868/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,730/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,635 · Scale 2, in force from 26 Feb 2026)