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$34,765
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,847
−HK$1,098/mo
Today · 4.125%
HK$36,945
baseline
▲ 0.50% · 4.625%
HK$39,193
+HK$2,248/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,890/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,676
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,713
−HK$1,053/mo
Today · 4.125%
HK$40,766
baseline
▲ 0.50% · 4.625%
HK$42,914
+HK$2,148/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,532/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,718
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,016
−HK$1,319/mo
Today · 4.125%
HK$44,335
baseline
▲ 0.50% · 4.625%
HK$47,032
+HK$2,697/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,670/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,411
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,656
−HK$1,263/mo
Today · 4.125%
HK$48,919
baseline
▲ 0.50% · 4.625%
HK$51,497
+HK$2,578/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,838/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,671
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,185
−HK$1,539/mo
Today · 4.125%
HK$51,724
baseline
▲ 0.50% · 4.625%
HK$54,871
+HK$3,147/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,448/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,147
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,599
−HK$1,473/mo
Today · 4.125%
HK$57,072
baseline
▲ 0.50% · 4.625%
HK$60,080
+HK$3,008/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,144/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$571,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,578
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,524
−HK$1,978/mo
Today · 4.125%
HK$66,502
baseline
▲ 0.50% · 4.625%
HK$70,548
+HK$4,046/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$133,004/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,617
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,484
−HK$1,894/mo
Today · 4.125%
HK$73,378
baseline
▲ 0.50% · 4.625%
HK$77,246
+HK$3,868/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,756/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,734 · Scale 2, in force from 26 Feb 2026)