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$34,733
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,814
−HK$1,097/mo
Today · 4.125%
HK$36,911
baseline
▲ 0.50% · 4.625%
HK$39,157
+HK$2,246/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,822/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,640
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,677
−HK$1,051/mo
Today · 4.125%
HK$40,728
baseline
▲ 0.50% · 4.625%
HK$42,875
+HK$2,147/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,456/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,680
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,976
−HK$1,318/mo
Today · 4.125%
HK$44,294
baseline
▲ 0.50% · 4.625%
HK$46,989
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,588/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,369
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,612
−HK$1,262/mo
Today · 4.125%
HK$48,874
baseline
▲ 0.50% · 4.625%
HK$51,450
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,748/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,627
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,139
−HK$1,537/mo
Today · 4.125%
HK$51,676
baseline
▲ 0.50% · 4.625%
HK$54,820
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,352/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,097
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,547
−HK$1,472/mo
Today · 4.125%
HK$57,019
baseline
▲ 0.50% · 4.625%
HK$60,025
+HK$3,006/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,038/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,520
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,465
−HK$1,976/mo
Today · 4.125%
HK$66,441
baseline
▲ 0.50% · 4.625%
HK$70,483
+HK$4,042/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,882/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,553
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,418
−HK$1,893/mo
Today · 4.125%
HK$73,311
baseline
▲ 0.50% · 4.625%
HK$77,175
+HK$3,864/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,622/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,208 · Scale 2, in force from 26 Feb 2026)