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$34,772
−HK$2,181/mo
▼ 0.25% · 3.875%
HK$35,854
−HK$1,099/mo
Today · 4.125%
HK$36,953
baseline
▲ 0.50% · 4.625%
HK$39,201
+HK$2,248/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,906/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,684
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,721
−HK$1,052/mo
Today · 4.125%
HK$40,773
baseline
▲ 0.50% · 4.625%
HK$42,923
+HK$2,150/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,546/mo (50% DSR)
Upfront cash ≈ HK$8.20M (deposit + AVD stamp duty HK$571,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,726
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,024
−HK$1,319/mo
Today · 4.125%
HK$44,343
baseline
▲ 0.50% · 4.625%
HK$47,041
+HK$2,698/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,686/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,420
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,665
−HK$1,263/mo
Today · 4.125%
HK$48,928
baseline
▲ 0.50% · 4.625%
HK$51,507
+HK$2,579/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,856/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,681
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,195
−HK$1,539/mo
Today · 4.125%
HK$51,734
baseline
▲ 0.50% · 4.625%
HK$54,881
+HK$3,147/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,468/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,157
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,609
−HK$1,474/mo
Today · 4.125%
HK$57,083
baseline
▲ 0.50% · 4.625%
HK$60,092
+HK$3,009/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,166/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,590
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,537
−HK$1,978/mo
Today · 4.125%
HK$66,515
baseline
▲ 0.50% · 4.625%
HK$70,562
+HK$4,047/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$133,030/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,630
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,498
−HK$1,894/mo
Today · 4.125%
HK$73,392
baseline
▲ 0.50% · 4.625%
HK$77,261
+HK$3,869/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,784/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,845 · Scale 2, in force from 26 Feb 2026)