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$34,750
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,831
−HK$1,098/mo
Today · 4.125%
HK$36,929
baseline
▲ 0.50% · 4.625%
HK$39,176
+HK$2,247/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,858/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,659
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,695
−HK$1,052/mo
Today · 4.125%
HK$40,747
baseline
▲ 0.50% · 4.625%
HK$42,895
+HK$2,148/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,494/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,700
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,997
−HK$1,318/mo
Today · 4.125%
HK$44,315
baseline
▲ 0.50% · 4.625%
HK$47,011
+HK$2,696/mo
Deposit HK$6.10M · loan HK$9.14M · min. income ≈ HK$88,630/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,390
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,635
−HK$1,262/mo
Today · 4.125%
HK$48,897
baseline
▲ 0.50% · 4.625%
HK$51,474
+HK$2,577/mo
Deposit HK$6.10M · loan HK$9.14M · min. income ≈ HK$97,794/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,650
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,163
−HK$1,537/mo
Today · 4.125%
HK$51,700
baseline
▲ 0.50% · 4.625%
HK$54,846
+HK$3,146/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,400/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,122
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,574
−HK$1,472/mo
Today · 4.125%
HK$57,046
baseline
▲ 0.50% · 4.625%
HK$60,053
+HK$3,007/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,092/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,549
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,495
−HK$1,977/mo
Today · 4.125%
HK$66,472
baseline
▲ 0.50% · 4.625%
HK$70,517
+HK$4,045/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$132,944/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,586
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,452
−HK$1,893/mo
Today · 4.125%
HK$73,345
baseline
▲ 0.50% · 4.625%
HK$77,211
+HK$3,866/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,690/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,477 · Scale 2, in force from 26 Feb 2026)