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$34,774
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,855
−HK$1,099/mo
Today · 4.125%
HK$36,954
baseline
▲ 0.50% · 4.625%
HK$39,203
+HK$2,249/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,908/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,685
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,723
−HK$1,052/mo
Today · 4.125%
HK$40,775
baseline
▲ 0.50% · 4.625%
HK$42,925
+HK$2,150/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,550/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,728
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,026
−HK$1,319/mo
Today · 4.125%
HK$44,345
baseline
▲ 0.50% · 4.625%
HK$47,043
+HK$2,698/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,690/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,422
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,667
−HK$1,263/mo
Today · 4.125%
HK$48,930
baseline
▲ 0.50% · 4.625%
HK$51,509
+HK$2,579/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,860/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,683
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,197
−HK$1,539/mo
Today · 4.125%
HK$51,736
baseline
▲ 0.50% · 4.625%
HK$54,884
+HK$3,148/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,472/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,159
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,612
−HK$1,473/mo
Today · 4.125%
HK$57,085
baseline
▲ 0.50% · 4.625%
HK$60,094
+HK$3,009/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,170/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,592
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,539
−HK$1,978/mo
Today · 4.125%
HK$66,517
baseline
▲ 0.50% · 4.625%
HK$70,565
+HK$4,048/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$133,034/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,633
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,501
−HK$1,894/mo
Today · 4.125%
HK$73,395
baseline
▲ 0.50% · 4.625%
HK$77,264
+HK$3,869/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,790/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,869 · Scale 2, in force from 26 Feb 2026)