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$34,683
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,762
−HK$1,096/mo
Today · 4.125%
HK$36,858
baseline
▲ 0.50% · 4.625%
HK$39,100
+HK$2,242/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,716/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,584
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,619
−HK$1,050/mo
Today · 4.125%
HK$40,669
baseline
▲ 0.50% · 4.625%
HK$42,812
+HK$2,143/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,338/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,619
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,914
−HK$1,315/mo
Today · 4.125%
HK$44,229
baseline
▲ 0.50% · 4.625%
HK$46,920
+HK$2,691/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$88,458/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,301
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,543
−HK$1,260/mo
Today · 4.125%
HK$48,803
baseline
▲ 0.50% · 4.625%
HK$51,375
+HK$2,572/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$97,606/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,556
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,066
−HK$1,535/mo
Today · 4.125%
HK$51,601
baseline
▲ 0.50% · 4.625%
HK$54,740
+HK$3,139/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,202/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,018
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,467
−HK$1,469/mo
Today · 4.125%
HK$56,936
baseline
▲ 0.50% · 4.625%
HK$59,937
+HK$3,001/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,872/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,429
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,371
−HK$1,973/mo
Today · 4.125%
HK$66,344
baseline
▲ 0.50% · 4.625%
HK$70,381
+HK$4,037/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,688/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,452
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,314
−HK$1,890/mo
Today · 4.125%
HK$73,204
baseline
▲ 0.50% · 4.625%
HK$77,062
+HK$3,858/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,408/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,376 · Scale 2, in force from 26 Feb 2026)