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$34,726
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,806
−HK$1,097/mo
Today · 4.125%
HK$36,903
baseline
▲ 0.50% · 4.625%
HK$39,149
+HK$2,246/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,806/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,632
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,668
−HK$1,051/mo
Today · 4.125%
HK$40,719
baseline
▲ 0.50% · 4.625%
HK$42,866
+HK$2,147/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,438/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,671
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,967
−HK$1,317/mo
Today · 4.125%
HK$44,284
baseline
▲ 0.50% · 4.625%
HK$46,979
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,568/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,359
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,602
−HK$1,261/mo
Today · 4.125%
HK$48,863
baseline
▲ 0.50% · 4.625%
HK$51,439
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,726/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,616
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,128
−HK$1,537/mo
Today · 4.125%
HK$51,665
baseline
▲ 0.50% · 4.625%
HK$54,809
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,330/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,085
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,536
−HK$1,471/mo
Today · 4.125%
HK$57,007
baseline
▲ 0.50% · 4.625%
HK$60,012
+HK$3,005/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,014/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,506
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,451
−HK$1,975/mo
Today · 4.125%
HK$66,426
baseline
▲ 0.50% · 4.625%
HK$70,468
+HK$4,042/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,852/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,085 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,538
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,403
−HK$1,892/mo
Today · 4.125%
HK$73,295
baseline
▲ 0.50% · 4.625%
HK$77,158
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,590/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,085 · Scale 2, in force from 26 Feb 2026)