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$34,758
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,839
−HK$1,099/mo
Today · 4.125%
HK$36,938
baseline
▲ 0.50% · 4.625%
HK$39,185
+HK$2,247/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,876/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,668
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,705
−HK$1,052/mo
Today · 4.125%
HK$40,757
baseline
▲ 0.50% · 4.625%
HK$42,906
+HK$2,149/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,514/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,710
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,007
−HK$1,318/mo
Today · 4.125%
HK$44,325
baseline
▲ 0.50% · 4.625%
HK$47,022
+HK$2,697/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,650/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,402
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,646
−HK$1,263/mo
Today · 4.125%
HK$48,909
baseline
▲ 0.50% · 4.625%
HK$51,487
+HK$2,578/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,818/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,661
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,175
−HK$1,538/mo
Today · 4.125%
HK$51,713
baseline
▲ 0.50% · 4.625%
HK$54,859
+HK$3,146/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,426/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,135
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,587
−HK$1,473/mo
Today · 4.125%
HK$57,060
baseline
▲ 0.50% · 4.625%
HK$60,068
+HK$3,008/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,120/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,565
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,511
−HK$1,977/mo
Today · 4.125%
HK$66,488
baseline
▲ 0.50% · 4.625%
HK$70,534
+HK$4,046/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$132,976/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,602
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,469
−HK$1,894/mo
Today · 4.125%
HK$73,363
baseline
▲ 0.50% · 4.625%
HK$77,230
+HK$3,867/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,726/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,616 · Scale 2, in force from 26 Feb 2026)