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$34,744
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,824
−HK$1,098/mo
Today · 4.125%
HK$36,922
baseline
▲ 0.50% · 4.625%
HK$39,169
+HK$2,247/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,844/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,652
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,689
−HK$1,051/mo
Today · 4.125%
HK$40,740
baseline
▲ 0.50% · 4.625%
HK$42,888
+HK$2,148/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,480/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,692
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,989
−HK$1,318/mo
Today · 4.125%
HK$44,307
baseline
▲ 0.50% · 4.625%
HK$47,003
+HK$2,696/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,614/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,382
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,626
−HK$1,262/mo
Today · 4.125%
HK$48,888
baseline
▲ 0.50% · 4.625%
HK$51,465
+HK$2,577/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,776/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,641
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,154
−HK$1,537/mo
Today · 4.125%
HK$51,691
baseline
▲ 0.50% · 4.625%
HK$54,837
+HK$3,146/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,382/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,113
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,564
−HK$1,472/mo
Today · 4.125%
HK$57,036
baseline
▲ 0.50% · 4.625%
HK$60,043
+HK$3,007/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,072/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,539
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,484
−HK$1,976/mo
Today · 4.125%
HK$66,460
baseline
▲ 0.50% · 4.625%
HK$70,504
+HK$4,044/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,920/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,574
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,440
−HK$1,892/mo
Today · 4.125%
HK$73,332
baseline
▲ 0.50% · 4.625%
HK$77,198
+HK$3,866/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,664/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,379 · Scale 2, in force from 26 Feb 2026)