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$34,728
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,808
−HK$1,098/mo
Today · 4.125%
HK$36,906
baseline
▲ 0.50% · 4.625%
HK$39,152
+HK$2,246/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,812/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,635
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,671
−HK$1,051/mo
Today · 4.125%
HK$40,722
baseline
▲ 0.50% · 4.625%
HK$42,869
+HK$2,147/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,444/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,674
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,970
−HK$1,317/mo
Today · 4.125%
HK$44,287
baseline
▲ 0.50% · 4.625%
HK$46,982
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,574/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,362
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,605
−HK$1,261/mo
Today · 4.125%
HK$48,866
baseline
▲ 0.50% · 4.625%
HK$51,442
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,732/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,619
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,132
−HK$1,536/mo
Today · 4.125%
HK$51,668
baseline
▲ 0.50% · 4.625%
HK$54,812
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,336/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,089
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,539
−HK$1,472/mo
Today · 4.125%
HK$57,011
baseline
▲ 0.50% · 4.625%
HK$60,016
+HK$3,005/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,022/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,511
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,455
−HK$1,976/mo
Today · 4.125%
HK$66,431
baseline
▲ 0.50% · 4.625%
HK$70,473
+HK$4,042/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,862/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,542
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,408
−HK$1,892/mo
Today · 4.125%
HK$73,300
baseline
▲ 0.50% · 4.625%
HK$77,163
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,600/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,123 · Scale 2, in force from 26 Feb 2026)