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$34,701
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,780
−HK$1,097/mo
Today · 4.125%
HK$36,877
baseline
▲ 0.50% · 4.625%
HK$39,121
+HK$2,244/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,754/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,604
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,640
−HK$1,050/mo
Today · 4.125%
HK$40,690
baseline
▲ 0.50% · 4.625%
HK$42,835
+HK$2,145/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,380/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,641
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,936
−HK$1,316/mo
Today · 4.125%
HK$44,252
baseline
▲ 0.50% · 4.625%
HK$46,945
+HK$2,693/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,504/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,325
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,568
−HK$1,260/mo
Today · 4.125%
HK$48,828
baseline
▲ 0.50% · 4.625%
HK$51,402
+HK$2,574/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,656/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,581
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,092
−HK$1,536/mo
Today · 4.125%
HK$51,628
baseline
▲ 0.50% · 4.625%
HK$54,769
+HK$3,141/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$103,256/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,046
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,496
−HK$1,470/mo
Today · 4.125%
HK$56,966
baseline
▲ 0.50% · 4.625%
HK$59,969
+HK$3,003/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$113,932/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,462
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,404
−HK$1,974/mo
Today · 4.125%
HK$66,378
baseline
▲ 0.50% · 4.625%
HK$70,417
+HK$4,039/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,756/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,488
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,351
−HK$1,891/mo
Today · 4.125%
HK$73,242
baseline
▲ 0.50% · 4.625%
HK$77,103
+HK$3,861/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,484/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,674 · Scale 2, in force from 26 Feb 2026)