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$34,737
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,817
−HK$1,098/mo
Today · 4.125%
HK$36,915
baseline
▲ 0.50% · 4.625%
HK$39,161
+HK$2,246/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,830/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,644
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,681
−HK$1,051/mo
Today · 4.125%
HK$40,732
baseline
▲ 0.50% · 4.625%
HK$42,879
+HK$2,147/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,464/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,684
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,981
−HK$1,317/mo
Today · 4.125%
HK$44,298
baseline
▲ 0.50% · 4.625%
HK$46,993
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,596/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,373
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,617
−HK$1,262/mo
Today · 4.125%
HK$48,879
baseline
▲ 0.50% · 4.625%
HK$51,455
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,758/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,631
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,144
−HK$1,537/mo
Today · 4.125%
HK$51,681
baseline
▲ 0.50% · 4.625%
HK$54,826
+HK$3,145/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,362/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,102
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,553
−HK$1,472/mo
Today · 4.125%
HK$57,025
baseline
▲ 0.50% · 4.625%
HK$60,031
+HK$3,006/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,050/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,526
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,471
−HK$1,976/mo
Today · 4.125%
HK$66,447
baseline
▲ 0.50% · 4.625%
HK$70,490
+HK$4,043/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,894/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,560
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,425
−HK$1,893/mo
Today · 4.125%
HK$73,318
baseline
▲ 0.50% · 4.625%
HK$77,182
+HK$3,864/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,636/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,264 · Scale 2, in force from 26 Feb 2026)