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$34,733
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,813
−HK$1,098/mo
Today · 4.125%
HK$36,911
baseline
▲ 0.50% · 4.625%
HK$39,157
+HK$2,246/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,822/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,640
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,676
−HK$1,051/mo
Today · 4.125%
HK$40,727
baseline
▲ 0.50% · 4.625%
HK$42,874
+HK$2,147/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,454/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,679
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,976
−HK$1,317/mo
Today · 4.125%
HK$44,293
baseline
▲ 0.50% · 4.625%
HK$46,988
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,586/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,368
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,611
−HK$1,262/mo
Today · 4.125%
HK$48,873
baseline
▲ 0.50% · 4.625%
HK$51,449
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,746/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,626
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,138
−HK$1,537/mo
Today · 4.125%
HK$51,675
baseline
▲ 0.50% · 4.625%
HK$54,819
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,350/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,095
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,546
−HK$1,472/mo
Today · 4.125%
HK$57,018
baseline
▲ 0.50% · 4.625%
HK$60,024
+HK$3,006/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,036/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,519
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,463
−HK$1,976/mo
Today · 4.125%
HK$66,439
baseline
▲ 0.50% · 4.625%
HK$70,482
+HK$4,043/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,878/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,551
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,417
−HK$1,892/mo
Today · 4.125%
HK$73,309
baseline
▲ 0.50% · 4.625%
HK$77,173
+HK$3,864/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,618/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,195 · Scale 2, in force from 26 Feb 2026)