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$34,695
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,774
−HK$1,097/mo
Today · 4.125%
HK$36,871
baseline
▲ 0.50% · 4.625%
HK$39,114
+HK$2,243/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,742/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,598
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,633
−HK$1,050/mo
Today · 4.125%
HK$40,683
baseline
▲ 0.50% · 4.625%
HK$42,828
+HK$2,145/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,366/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,634
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,929
−HK$1,316/mo
Today · 4.125%
HK$44,245
baseline
▲ 0.50% · 4.625%
HK$46,937
+HK$2,692/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,490/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,317
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,560
−HK$1,260/mo
Today · 4.125%
HK$48,820
baseline
▲ 0.50% · 4.625%
HK$51,393
+HK$2,573/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,640/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,573
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,084
−HK$1,535/mo
Today · 4.125%
HK$51,619
baseline
▲ 0.50% · 4.625%
HK$54,760
+HK$3,141/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,238/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,037
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,486
−HK$1,470/mo
Today · 4.125%
HK$56,956
baseline
▲ 0.50% · 4.625%
HK$59,959
+HK$3,003/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,912/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,451
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,393
−HK$1,974/mo
Today · 4.125%
HK$66,367
baseline
▲ 0.50% · 4.625%
HK$70,405
+HK$4,038/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,734/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,476
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,339
−HK$1,891/mo
Today · 4.125%
HK$73,230
baseline
▲ 0.50% · 4.625%
HK$77,090
+HK$3,860/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,460/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,577 · Scale 2, in force from 26 Feb 2026)