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$34,727
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,807
−HK$1,098/mo
Today · 4.125%
HK$36,905
baseline
▲ 0.50% · 4.625%
HK$39,150
+HK$2,245/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,810/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,634
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,670
−HK$1,051/mo
Today · 4.125%
HK$40,721
baseline
▲ 0.50% · 4.625%
HK$42,867
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,442/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,673
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,969
−HK$1,317/mo
Today · 4.125%
HK$44,286
baseline
▲ 0.50% · 4.625%
HK$46,981
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,572/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,360
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,604
−HK$1,261/mo
Today · 4.125%
HK$48,865
baseline
▲ 0.50% · 4.625%
HK$51,441
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,730/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,618
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,130
−HK$1,537/mo
Today · 4.125%
HK$51,667
baseline
▲ 0.50% · 4.625%
HK$54,811
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,334/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,087
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,538
−HK$1,471/mo
Today · 4.125%
HK$57,009
baseline
▲ 0.50% · 4.625%
HK$60,014
+HK$3,005/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,018/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,509
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,453
−HK$1,976/mo
Today · 4.125%
HK$66,429
baseline
▲ 0.50% · 4.625%
HK$70,471
+HK$4,042/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,858/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,541
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,406
−HK$1,892/mo
Today · 4.125%
HK$73,298
baseline
▲ 0.50% · 4.625%
HK$77,161
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,596/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,108 · Scale 2, in force from 26 Feb 2026)