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$34,686
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,765
−HK$1,096/mo
Today · 4.125%
HK$36,861
baseline
▲ 0.50% · 4.625%
HK$39,104
+HK$2,243/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,722/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,588
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,623
−HK$1,050/mo
Today · 4.125%
HK$40,673
baseline
▲ 0.50% · 4.625%
HK$42,817
+HK$2,144/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,346/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,623
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,918
−HK$1,316/mo
Today · 4.125%
HK$44,234
baseline
▲ 0.50% · 4.625%
HK$46,925
+HK$2,691/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$88,468/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,306
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,548
−HK$1,259/mo
Today · 4.125%
HK$48,807
baseline
▲ 0.50% · 4.625%
HK$51,380
+HK$2,573/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$97,614/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,561
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,071
−HK$1,535/mo
Today · 4.125%
HK$51,606
baseline
▲ 0.50% · 4.625%
HK$54,746
+HK$3,140/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,212/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,023
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,472
−HK$1,470/mo
Today · 4.125%
HK$56,942
baseline
▲ 0.50% · 4.625%
HK$59,944
+HK$3,002/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,884/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,435
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,377
−HK$1,973/mo
Today · 4.125%
HK$66,350
baseline
▲ 0.50% · 4.625%
HK$70,388
+HK$4,038/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,700/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,459
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,321
−HK$1,890/mo
Today · 4.125%
HK$73,211
baseline
▲ 0.50% · 4.625%
HK$77,070
+HK$3,859/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,422/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,434 · Scale 2, in force from 26 Feb 2026)