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$34,738
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,818
−HK$1,098/mo
Today · 4.125%
HK$36,916
baseline
▲ 0.50% · 4.625%
HK$39,162
+HK$2,246/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,832/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,645
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,682
−HK$1,051/mo
Today · 4.125%
HK$40,733
baseline
▲ 0.50% · 4.625%
HK$42,880
+HK$2,147/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,466/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,685
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,982
−HK$1,317/mo
Today · 4.125%
HK$44,299
baseline
▲ 0.50% · 4.625%
HK$46,995
+HK$2,696/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,598/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,374
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,618
−HK$1,262/mo
Today · 4.125%
HK$48,880
baseline
▲ 0.50% · 4.625%
HK$51,456
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,760/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,633
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,146
−HK$1,536/mo
Today · 4.125%
HK$51,682
baseline
▲ 0.50% · 4.625%
HK$54,827
+HK$3,145/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,364/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,103
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,555
−HK$1,472/mo
Today · 4.125%
HK$57,027
baseline
▲ 0.50% · 4.625%
HK$60,032
+HK$3,005/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,054/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,528
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,473
−HK$1,976/mo
Today · 4.125%
HK$66,449
baseline
▲ 0.50% · 4.625%
HK$70,492
+HK$4,043/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,898/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,562
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,427
−HK$1,893/mo
Today · 4.125%
HK$73,320
baseline
▲ 0.50% · 4.625%
HK$77,185
+HK$3,865/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,640/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,280 · Scale 2, in force from 26 Feb 2026)