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$34,761
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,843
−HK$1,098/mo
Today · 4.125%
HK$36,941
baseline
▲ 0.50% · 4.625%
HK$39,189
+HK$2,248/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,882/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,672
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,709
−HK$1,052/mo
Today · 4.125%
HK$40,761
baseline
▲ 0.50% · 4.625%
HK$42,910
+HK$2,149/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,522/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,714
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,011
−HK$1,318/mo
Today · 4.125%
HK$44,329
baseline
▲ 0.50% · 4.625%
HK$47,027
+HK$2,698/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,658/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,406
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,651
−HK$1,262/mo
Today · 4.125%
HK$48,913
baseline
▲ 0.50% · 4.625%
HK$51,491
+HK$2,578/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,826/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,666
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,180
−HK$1,538/mo
Today · 4.125%
HK$51,718
baseline
▲ 0.50% · 4.625%
HK$54,865
+HK$3,147/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,436/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,140
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,592
−HK$1,473/mo
Today · 4.125%
HK$57,065
baseline
▲ 0.50% · 4.625%
HK$60,073
+HK$3,008/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,130/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,570
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,517
−HK$1,977/mo
Today · 4.125%
HK$66,494
baseline
▲ 0.50% · 4.625%
HK$70,540
+HK$4,046/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$132,988/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,609
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,476
−HK$1,894/mo
Today · 4.125%
HK$73,370
baseline
▲ 0.50% · 4.625%
HK$77,237
+HK$3,867/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,740/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,669 · Scale 2, in force from 26 Feb 2026)