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$34,719
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,799
−HK$1,098/mo
Today · 4.125%
HK$36,897
baseline
▲ 0.50% · 4.625%
HK$39,142
+HK$2,245/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,794/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,625
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,661
−HK$1,051/mo
Today · 4.125%
HK$40,712
baseline
▲ 0.50% · 4.625%
HK$42,858
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,424/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,663
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,959
−HK$1,317/mo
Today · 4.125%
HK$44,276
baseline
▲ 0.50% · 4.625%
HK$46,970
+HK$2,694/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,552/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,350
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,593
−HK$1,261/mo
Today · 4.125%
HK$48,854
baseline
▲ 0.50% · 4.625%
HK$51,429
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,708/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,607
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,119
−HK$1,536/mo
Today · 4.125%
HK$51,655
baseline
▲ 0.50% · 4.625%
HK$54,798
+HK$3,143/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,310/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,075
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,525
−HK$1,471/mo
Today · 4.125%
HK$56,996
baseline
▲ 0.50% · 4.625%
HK$60,001
+HK$3,005/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$113,992/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,495
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,439
−HK$1,975/mo
Today · 4.125%
HK$66,414
baseline
▲ 0.50% · 4.625%
HK$70,455
+HK$4,041/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,828/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,525
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,389
−HK$1,892/mo
Today · 4.125%
HK$73,281
baseline
▲ 0.50% · 4.625%
HK$77,144
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,562/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,978 · Scale 2, in force from 26 Feb 2026)