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$34,689
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,768
−HK$1,096/mo
Today · 4.125%
HK$36,864
baseline
▲ 0.50% · 4.625%
HK$39,107
+HK$2,243/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,728/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,591
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,626
−HK$1,050/mo
Today · 4.125%
HK$40,676
baseline
▲ 0.50% · 4.625%
HK$42,820
+HK$2,144/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,352/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,627
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,922
−HK$1,315/mo
Today · 4.125%
HK$44,237
baseline
▲ 0.50% · 4.625%
HK$46,929
+HK$2,692/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,474/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,309
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,551
−HK$1,260/mo
Today · 4.125%
HK$48,811
baseline
▲ 0.50% · 4.625%
HK$51,384
+HK$2,573/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,622/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,565
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,075
−HK$1,535/mo
Today · 4.125%
HK$51,610
baseline
▲ 0.50% · 4.625%
HK$54,750
+HK$3,140/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,220/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,028
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,477
−HK$1,470/mo
Today · 4.125%
HK$56,947
baseline
▲ 0.50% · 4.625%
HK$59,948
+HK$3,001/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,894/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,440
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,382
−HK$1,974/mo
Today · 4.125%
HK$66,356
baseline
▲ 0.50% · 4.625%
HK$70,393
+HK$4,037/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,712/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,479 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,464
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,327
−HK$1,890/mo
Today · 4.125%
HK$73,217
baseline
▲ 0.50% · 4.625%
HK$77,076
+HK$3,859/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,434/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,479 · Scale 2, in force from 26 Feb 2026)