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$34,757
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,838
−HK$1,099/mo
Today · 4.125%
HK$36,937
baseline
▲ 0.50% · 4.625%
HK$39,184
+HK$2,247/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,874/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,667
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,704
−HK$1,052/mo
Today · 4.125%
HK$40,756
baseline
▲ 0.50% · 4.625%
HK$42,904
+HK$2,148/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,512/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,709
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,006
−HK$1,318/mo
Today · 4.125%
HK$44,324
baseline
▲ 0.50% · 4.625%
HK$47,021
+HK$2,697/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,648/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,400
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,645
−HK$1,262/mo
Today · 4.125%
HK$48,907
baseline
▲ 0.50% · 4.625%
HK$51,485
+HK$2,578/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,814/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,660
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,174
−HK$1,538/mo
Today · 4.125%
HK$51,712
baseline
▲ 0.50% · 4.625%
HK$54,858
+HK$3,146/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,424/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,134
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,586
−HK$1,473/mo
Today · 4.125%
HK$57,059
baseline
▲ 0.50% · 4.625%
HK$60,066
+HK$3,007/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,118/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,563
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,509
−HK$1,977/mo
Today · 4.125%
HK$66,486
baseline
▲ 0.50% · 4.625%
HK$70,532
+HK$4,046/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$132,972/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,601
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,467
−HK$1,894/mo
Today · 4.125%
HK$73,361
baseline
▲ 0.50% · 4.625%
HK$77,228
+HK$3,867/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,722/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,601 · Scale 2, in force from 26 Feb 2026)