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$34,736
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,817
−HK$1,097/mo
Today · 4.125%
HK$36,914
baseline
▲ 0.50% · 4.625%
HK$39,161
+HK$2,247/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,828/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,644
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,680
−HK$1,051/mo
Today · 4.125%
HK$40,731
baseline
▲ 0.50% · 4.625%
HK$42,878
+HK$2,147/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,462/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,683
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,980
−HK$1,317/mo
Today · 4.125%
HK$44,297
baseline
▲ 0.50% · 4.625%
HK$46,993
+HK$2,696/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,594/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,372
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,616
−HK$1,262/mo
Today · 4.125%
HK$48,878
baseline
▲ 0.50% · 4.625%
HK$51,454
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,756/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,631
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,143
−HK$1,537/mo
Today · 4.125%
HK$51,680
baseline
▲ 0.50% · 4.625%
HK$54,825
+HK$3,145/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,360/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,101
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,552
−HK$1,472/mo
Today · 4.125%
HK$57,024
baseline
▲ 0.50% · 4.625%
HK$60,030
+HK$3,006/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,048/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,525
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,470
−HK$1,976/mo
Today · 4.125%
HK$66,446
baseline
▲ 0.50% · 4.625%
HK$70,489
+HK$4,043/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,892/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,558
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,424
−HK$1,892/mo
Today · 4.125%
HK$73,316
baseline
▲ 0.50% · 4.625%
HK$77,181
+HK$3,865/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,632/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,254 · Scale 2, in force from 26 Feb 2026)