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$34,716
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,796
−HK$1,097/mo
Today · 4.125%
HK$36,893
baseline
▲ 0.50% · 4.625%
HK$39,138
+HK$2,245/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,786/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,621
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,657
−HK$1,051/mo
Today · 4.125%
HK$40,708
baseline
▲ 0.50% · 4.625%
HK$42,854
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,416/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,659
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,955
−HK$1,317/mo
Today · 4.125%
HK$44,272
baseline
▲ 0.50% · 4.625%
HK$46,966
+HK$2,694/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,544/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,346
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,589
−HK$1,261/mo
Today · 4.125%
HK$48,850
baseline
▲ 0.50% · 4.625%
HK$51,425
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,700/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,603
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,114
−HK$1,536/mo
Today · 4.125%
HK$51,650
baseline
▲ 0.50% · 4.625%
HK$54,793
+HK$3,143/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,300/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,070
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,520
−HK$1,471/mo
Today · 4.125%
HK$56,991
baseline
▲ 0.50% · 4.625%
HK$59,995
+HK$3,004/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$113,982/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,489
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,433
−HK$1,975/mo
Today · 4.125%
HK$66,408
baseline
▲ 0.50% · 4.625%
HK$70,448
+HK$4,040/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,816/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,519
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,383
−HK$1,891/mo
Today · 4.125%
HK$73,274
baseline
▲ 0.50% · 4.625%
HK$77,137
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,548/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,926 · Scale 2, in force from 26 Feb 2026)