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$34,729
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,809
−HK$1,098/mo
Today · 4.125%
HK$36,907
baseline
▲ 0.50% · 4.625%
HK$39,153
+HK$2,246/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,814/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,636
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,672
−HK$1,051/mo
Today · 4.125%
HK$40,723
baseline
▲ 0.50% · 4.625%
HK$42,870
+HK$2,147/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,446/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,675
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,971
−HK$1,317/mo
Today · 4.125%
HK$44,288
baseline
▲ 0.50% · 4.625%
HK$46,983
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,576/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,363
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,606
−HK$1,262/mo
Today · 4.125%
HK$48,868
baseline
▲ 0.50% · 4.625%
HK$51,444
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,736/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,621
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,133
−HK$1,537/mo
Today · 4.125%
HK$51,670
baseline
▲ 0.50% · 4.625%
HK$54,814
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,340/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,090
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,541
−HK$1,471/mo
Today · 4.125%
HK$57,012
baseline
▲ 0.50% · 4.625%
HK$60,017
+HK$3,005/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,024/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,512
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,457
−HK$1,975/mo
Today · 4.125%
HK$66,432
baseline
▲ 0.50% · 4.625%
HK$70,475
+HK$4,043/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,864/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,544
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,409
−HK$1,892/mo
Today · 4.125%
HK$73,301
baseline
▲ 0.50% · 4.625%
HK$77,165
+HK$3,864/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,602/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,137 · Scale 2, in force from 26 Feb 2026)