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$34,764
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,845
−HK$1,099/mo
Today · 4.125%
HK$36,944
baseline
▲ 0.50% · 4.625%
HK$39,192
+HK$2,248/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,888/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,674
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,712
−HK$1,052/mo
Today · 4.125%
HK$40,764
baseline
▲ 0.50% · 4.625%
HK$42,912
+HK$2,148/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,528/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,716
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,014
−HK$1,318/mo
Today · 4.125%
HK$44,332
baseline
▲ 0.50% · 4.625%
HK$47,030
+HK$2,698/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,664/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,409
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,654
−HK$1,262/mo
Today · 4.125%
HK$48,916
baseline
▲ 0.50% · 4.625%
HK$51,495
+HK$2,579/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,832/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,669
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,183
−HK$1,538/mo
Today · 4.125%
HK$51,721
baseline
▲ 0.50% · 4.625%
HK$54,868
+HK$3,147/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,442/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,144
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,596
−HK$1,473/mo
Today · 4.125%
HK$57,069
baseline
▲ 0.50% · 4.625%
HK$60,077
+HK$3,008/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,138/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,575
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,521
−HK$1,978/mo
Today · 4.125%
HK$66,499
baseline
▲ 0.50% · 4.625%
HK$70,545
+HK$4,046/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$132,998/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,614
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,481
−HK$1,894/mo
Today · 4.125%
HK$73,375
baseline
▲ 0.50% · 4.625%
HK$77,242
+HK$3,867/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,750/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,708 · Scale 2, in force from 26 Feb 2026)