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$34,725
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,805
−HK$1,097/mo
Today · 4.125%
HK$36,902
baseline
▲ 0.50% · 4.625%
HK$39,148
+HK$2,246/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,804/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,631
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,667
−HK$1,051/mo
Today · 4.125%
HK$40,718
baseline
▲ 0.50% · 4.625%
HK$42,864
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,436/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,670
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,966
−HK$1,317/mo
Today · 4.125%
HK$44,283
baseline
▲ 0.50% · 4.625%
HK$46,977
+HK$2,694/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,566/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,357
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,600
−HK$1,262/mo
Today · 4.125%
HK$48,862
baseline
▲ 0.50% · 4.625%
HK$51,437
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,724/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,615
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,127
−HK$1,536/mo
Today · 4.125%
HK$51,663
baseline
▲ 0.50% · 4.625%
HK$54,807
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,326/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,083
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,534
−HK$1,471/mo
Today · 4.125%
HK$57,005
baseline
▲ 0.50% · 4.625%
HK$60,010
+HK$3,005/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,010/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,505
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,449
−HK$1,975/mo
Today · 4.125%
HK$66,424
baseline
▲ 0.50% · 4.625%
HK$70,466
+HK$4,042/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,848/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,067 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,536
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,401
−HK$1,892/mo
Today · 4.125%
HK$73,293
baseline
▲ 0.50% · 4.625%
HK$77,156
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,586/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,067 · Scale 2, in force from 26 Feb 2026)