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$34,736
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,816
−HK$1,098/mo
Today · 4.125%
HK$36,914
baseline
▲ 0.50% · 4.625%
HK$39,160
+HK$2,246/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,828/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,643
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,679
−HK$1,052/mo
Today · 4.125%
HK$40,731
baseline
▲ 0.50% · 4.625%
HK$42,878
+HK$2,147/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,462/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,683
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,979
−HK$1,318/mo
Today · 4.125%
HK$44,297
baseline
▲ 0.50% · 4.625%
HK$46,992
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,594/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,372
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,615
−HK$1,262/mo
Today · 4.125%
HK$48,877
baseline
▲ 0.50% · 4.625%
HK$51,453
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,754/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,630
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,143
−HK$1,536/mo
Today · 4.125%
HK$51,679
baseline
▲ 0.50% · 4.625%
HK$54,824
+HK$3,145/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,358/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,100
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,551
−HK$1,472/mo
Today · 4.125%
HK$57,023
baseline
▲ 0.50% · 4.625%
HK$60,029
+HK$3,006/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,046/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,524
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,469
−HK$1,976/mo
Today · 4.125%
HK$66,445
baseline
▲ 0.50% · 4.625%
HK$70,488
+HK$4,043/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,890/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,557
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,423
−HK$1,892/mo
Today · 4.125%
HK$73,315
baseline
▲ 0.50% · 4.625%
HK$77,180
+HK$3,865/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,630/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,246 · Scale 2, in force from 26 Feb 2026)