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$34,708
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,787
−HK$1,097/mo
Today · 4.125%
HK$36,884
baseline
▲ 0.50% · 4.625%
HK$39,128
+HK$2,244/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,768/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,612
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,647
−HK$1,051/mo
Today · 4.125%
HK$40,698
baseline
▲ 0.50% · 4.625%
HK$42,843
+HK$2,145/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,396/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,649
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,945
−HK$1,316/mo
Today · 4.125%
HK$44,261
baseline
▲ 0.50% · 4.625%
HK$46,954
+HK$2,693/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,522/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,334
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,577
−HK$1,260/mo
Today · 4.125%
HK$48,837
baseline
▲ 0.50% · 4.625%
HK$51,412
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,674/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,591
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,102
−HK$1,536/mo
Today · 4.125%
HK$51,638
baseline
▲ 0.50% · 4.625%
HK$54,780
+HK$3,142/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$103,276/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,057
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,506
−HK$1,471/mo
Today · 4.125%
HK$56,977
baseline
▲ 0.50% · 4.625%
HK$59,980
+HK$3,003/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$113,954/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,474
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,417
−HK$1,974/mo
Today · 4.125%
HK$66,391
baseline
▲ 0.50% · 4.625%
HK$70,431
+HK$4,040/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,782/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,501
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,365
−HK$1,891/mo
Today · 4.125%
HK$73,256
baseline
▲ 0.50% · 4.625%
HK$77,118
+HK$3,862/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,512/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,785 · Scale 2, in force from 26 Feb 2026)