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$34,742
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,822
−HK$1,098/mo
Today · 4.125%
HK$36,920
baseline
▲ 0.50% · 4.625%
HK$39,167
+HK$2,247/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,840/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,650
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,686
−HK$1,052/mo
Today · 4.125%
HK$40,738
baseline
▲ 0.50% · 4.625%
HK$42,885
+HK$2,147/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,476/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,690
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,987
−HK$1,317/mo
Today · 4.125%
HK$44,304
baseline
▲ 0.50% · 4.625%
HK$47,000
+HK$2,696/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,608/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,380
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,623
−HK$1,262/mo
Today · 4.125%
HK$48,885
baseline
▲ 0.50% · 4.625%
HK$51,462
+HK$2,577/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,770/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,638
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,151
−HK$1,537/mo
Today · 4.125%
HK$51,688
baseline
▲ 0.50% · 4.625%
HK$54,833
+HK$3,145/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,376/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,109
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,561
−HK$1,472/mo
Today · 4.125%
HK$57,033
baseline
▲ 0.50% · 4.625%
HK$60,039
+HK$3,006/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,066/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,535
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,480
−HK$1,976/mo
Today · 4.125%
HK$66,456
baseline
▲ 0.50% · 4.625%
HK$70,500
+HK$4,044/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,912/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,569
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,435
−HK$1,893/mo
Today · 4.125%
HK$73,328
baseline
▲ 0.50% · 4.625%
HK$77,193
+HK$3,865/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,656/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,343 · Scale 2, in force from 26 Feb 2026)