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$34,714
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,794
−HK$1,097/mo
Today · 4.125%
HK$36,891
baseline
▲ 0.50% · 4.625%
HK$39,136
+HK$2,245/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,782/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,619
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,655
−HK$1,050/mo
Today · 4.125%
HK$40,705
baseline
▲ 0.50% · 4.625%
HK$42,851
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,410/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,657
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,952
−HK$1,317/mo
Today · 4.125%
HK$44,269
baseline
▲ 0.50% · 4.625%
HK$46,963
+HK$2,694/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,538/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,343
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,586
−HK$1,260/mo
Today · 4.125%
HK$48,846
baseline
▲ 0.50% · 4.625%
HK$51,421
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,692/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,599
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,111
−HK$1,536/mo
Today · 4.125%
HK$51,647
baseline
▲ 0.50% · 4.625%
HK$54,790
+HK$3,143/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,294/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,066
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,516
−HK$1,471/mo
Today · 4.125%
HK$56,987
baseline
▲ 0.50% · 4.625%
HK$59,991
+HK$3,004/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$113,974/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,485
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,429
−HK$1,974/mo
Today · 4.125%
HK$66,403
baseline
▲ 0.50% · 4.625%
HK$70,444
+HK$4,041/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,806/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,514
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,378
−HK$1,892/mo
Today · 4.125%
HK$73,270
baseline
▲ 0.50% · 4.625%
HK$77,132
+HK$3,862/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,540/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,889 · Scale 2, in force from 26 Feb 2026)