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$34,738
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,819
−HK$1,098/mo
Today · 4.125%
HK$36,917
baseline
▲ 0.50% · 4.625%
HK$39,163
+HK$2,246/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,834/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,646
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,682
−HK$1,052/mo
Today · 4.125%
HK$40,734
baseline
▲ 0.50% · 4.625%
HK$42,881
+HK$2,147/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,468/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,686
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,983
−HK$1,317/mo
Today · 4.125%
HK$44,300
baseline
▲ 0.50% · 4.625%
HK$46,996
+HK$2,696/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,600/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,375
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,619
−HK$1,262/mo
Today · 4.125%
HK$48,881
baseline
▲ 0.50% · 4.625%
HK$51,457
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,762/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,634
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,146
−HK$1,537/mo
Today · 4.125%
HK$51,683
baseline
▲ 0.50% · 4.625%
HK$54,828
+HK$3,145/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,366/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,104
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,555
−HK$1,472/mo
Today · 4.125%
HK$57,027
baseline
▲ 0.50% · 4.625%
HK$60,033
+HK$3,006/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,054/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,529
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,474
−HK$1,976/mo
Today · 4.125%
HK$66,450
baseline
▲ 0.50% · 4.625%
HK$70,493
+HK$4,043/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,900/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,563
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,428
−HK$1,893/mo
Today · 4.125%
HK$73,321
baseline
▲ 0.50% · 4.625%
HK$77,186
+HK$3,865/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,642/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,290 · Scale 2, in force from 26 Feb 2026)