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$34,698
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,777
−HK$1,097/mo
Today · 4.125%
HK$36,874
baseline
▲ 0.50% · 4.625%
HK$39,117
+HK$2,243/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,748/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,601
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,636
−HK$1,050/mo
Today · 4.125%
HK$40,686
baseline
▲ 0.50% · 4.625%
HK$42,831
+HK$2,145/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,372/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,637
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,933
−HK$1,315/mo
Today · 4.125%
HK$44,248
baseline
▲ 0.50% · 4.625%
HK$46,941
+HK$2,693/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,496/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,321
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,563
−HK$1,261/mo
Today · 4.125%
HK$48,824
baseline
▲ 0.50% · 4.625%
HK$51,397
+HK$2,573/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,648/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,577
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,088
−HK$1,535/mo
Today · 4.125%
HK$51,623
baseline
▲ 0.50% · 4.625%
HK$54,764
+HK$3,141/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,246/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,041
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,491
−HK$1,470/mo
Today · 4.125%
HK$56,961
baseline
▲ 0.50% · 4.625%
HK$59,964
+HK$3,003/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,922/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,456
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,399
−HK$1,974/mo
Today · 4.125%
HK$66,373
baseline
▲ 0.50% · 4.625%
HK$70,411
+HK$4,038/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,746/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,482
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,345
−HK$1,891/mo
Today · 4.125%
HK$73,236
baseline
▲ 0.50% · 4.625%
HK$77,096
+HK$3,860/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,472/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,624 · Scale 2, in force from 26 Feb 2026)