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$34,710
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,789
−HK$1,097/mo
Today · 4.125%
HK$36,886
baseline
▲ 0.50% · 4.625%
HK$39,131
+HK$2,245/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,772/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,614
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,650
−HK$1,050/mo
Today · 4.125%
HK$40,700
baseline
▲ 0.50% · 4.625%
HK$42,846
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,400/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,652
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,947
−HK$1,316/mo
Today · 4.125%
HK$44,263
baseline
▲ 0.50% · 4.625%
HK$46,957
+HK$2,694/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,526/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,337
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,580
−HK$1,260/mo
Today · 4.125%
HK$48,840
baseline
▲ 0.50% · 4.625%
HK$51,415
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,680/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,593
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,105
−HK$1,536/mo
Today · 4.125%
HK$51,641
baseline
▲ 0.50% · 4.625%
HK$54,783
+HK$3,142/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,282/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,060
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,510
−HK$1,470/mo
Today · 4.125%
HK$56,980
baseline
▲ 0.50% · 4.625%
HK$59,984
+HK$3,004/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$113,960/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,477
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,421
−HK$1,974/mo
Today · 4.125%
HK$66,395
baseline
▲ 0.50% · 4.625%
HK$70,435
+HK$4,040/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,790/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,505
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,369
−HK$1,892/mo
Today · 4.125%
HK$73,261
baseline
▲ 0.50% · 4.625%
HK$77,122
+HK$3,861/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,522/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,818 · Scale 2, in force from 26 Feb 2026)