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$34,766
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,848
−HK$1,098/mo
Today · 4.125%
HK$36,946
baseline
▲ 0.50% · 4.625%
HK$39,194
+HK$2,248/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,892/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,677
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,714
−HK$1,053/mo
Today · 4.125%
HK$40,767
baseline
▲ 0.50% · 4.625%
HK$42,915
+HK$2,148/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,534/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,719
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,017
−HK$1,319/mo
Today · 4.125%
HK$44,336
baseline
▲ 0.50% · 4.625%
HK$47,033
+HK$2,697/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,672/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,412
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,657
−HK$1,263/mo
Today · 4.125%
HK$48,920
baseline
▲ 0.50% · 4.625%
HK$51,499
+HK$2,579/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,840/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,673
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,187
−HK$1,538/mo
Today · 4.125%
HK$51,725
baseline
▲ 0.50% · 4.625%
HK$54,872
+HK$3,147/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,450/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,148
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,600
−HK$1,473/mo
Today · 4.125%
HK$57,073
baseline
▲ 0.50% · 4.625%
HK$60,082
+HK$3,009/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,146/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,579
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,526
−HK$1,977/mo
Today · 4.125%
HK$66,503
baseline
▲ 0.50% · 4.625%
HK$70,550
+HK$4,047/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$133,006/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,619
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,486
−HK$1,894/mo
Today · 4.125%
HK$73,380
baseline
▲ 0.50% · 4.625%
HK$77,248
+HK$3,868/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,760/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,747 · Scale 2, in force from 26 Feb 2026)