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$34,752
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,833
−HK$1,098/mo
Today · 4.125%
HK$36,931
baseline
▲ 0.50% · 4.625%
HK$39,178
+HK$2,247/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,862/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,661
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,698
−HK$1,052/mo
Today · 4.125%
HK$40,750
baseline
▲ 0.50% · 4.625%
HK$42,898
+HK$2,148/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,500/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,702
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,999
−HK$1,318/mo
Today · 4.125%
HK$44,317
baseline
▲ 0.50% · 4.625%
HK$47,014
+HK$2,697/mo
Deposit HK$6.10M · loan HK$9.14M · min. income ≈ HK$88,634/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,393
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,638
−HK$1,262/mo
Today · 4.125%
HK$48,900
baseline
▲ 0.50% · 4.625%
HK$51,477
+HK$2,577/mo
Deposit HK$6.10M · loan HK$9.14M · min. income ≈ HK$97,800/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,653
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,166
−HK$1,538/mo
Today · 4.125%
HK$51,704
baseline
▲ 0.50% · 4.625%
HK$54,850
+HK$3,146/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,408/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,125
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,577
−HK$1,473/mo
Today · 4.125%
HK$57,050
baseline
▲ 0.50% · 4.625%
HK$60,057
+HK$3,007/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,100/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,553
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,499
−HK$1,977/mo
Today · 4.125%
HK$66,476
baseline
▲ 0.50% · 4.625%
HK$70,521
+HK$4,045/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$132,952/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,590
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,456
−HK$1,894/mo
Today · 4.125%
HK$73,350
baseline
▲ 0.50% · 4.625%
HK$77,216
+HK$3,866/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,700/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,512 · Scale 2, in force from 26 Feb 2026)