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$34,703
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,783
−HK$1,097/mo
Today · 4.125%
HK$36,880
baseline
▲ 0.50% · 4.625%
HK$39,124
+HK$2,244/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,760/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,607
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,643
−HK$1,050/mo
Today · 4.125%
HK$40,693
baseline
▲ 0.50% · 4.625%
HK$42,838
+HK$2,145/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,386/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,644
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,939
−HK$1,316/mo
Today · 4.125%
HK$44,255
baseline
▲ 0.50% · 4.625%
HK$46,948
+HK$2,693/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,510/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,329
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,571
−HK$1,261/mo
Today · 4.125%
HK$48,832
baseline
▲ 0.50% · 4.625%
HK$51,406
+HK$2,574/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,664/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,585
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,096
−HK$1,535/mo
Today · 4.125%
HK$51,631
baseline
▲ 0.50% · 4.625%
HK$54,773
+HK$3,142/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$103,262/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,050
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,500
−HK$1,470/mo
Today · 4.125%
HK$56,970
baseline
▲ 0.50% · 4.625%
HK$59,973
+HK$3,003/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$113,940/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,466
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,409
−HK$1,974/mo
Today · 4.125%
HK$66,383
baseline
▲ 0.50% · 4.625%
HK$70,422
+HK$4,039/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,766/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,493
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,357
−HK$1,890/mo
Today · 4.125%
HK$73,247
baseline
▲ 0.50% · 4.625%
HK$77,108
+HK$3,861/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,494/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,715 · Scale 2, in force from 26 Feb 2026)