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$34,687
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,766
−HK$1,096/mo
Today · 4.125%
HK$36,862
baseline
▲ 0.50% · 4.625%
HK$39,105
+HK$2,243/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,724/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,589
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,624
−HK$1,050/mo
Today · 4.125%
HK$40,674
baseline
▲ 0.50% · 4.625%
HK$42,818
+HK$2,144/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,348/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,625
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,919
−HK$1,316/mo
Today · 4.125%
HK$44,235
baseline
▲ 0.50% · 4.625%
HK$46,926
+HK$2,691/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$88,470/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,307
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,549
−HK$1,260/mo
Today · 4.125%
HK$48,809
baseline
▲ 0.50% · 4.625%
HK$51,381
+HK$2,572/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$97,618/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,562
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,073
−HK$1,534/mo
Today · 4.125%
HK$51,607
baseline
▲ 0.50% · 4.625%
HK$54,747
+HK$3,140/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,214/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,025
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,474
−HK$1,469/mo
Today · 4.125%
HK$56,943
baseline
▲ 0.50% · 4.625%
HK$59,945
+HK$3,002/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,886/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,437
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,379
−HK$1,973/mo
Today · 4.125%
HK$66,352
baseline
▲ 0.50% · 4.625%
HK$70,389
+HK$4,037/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,704/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,460
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,323
−HK$1,890/mo
Today · 4.125%
HK$73,213
baseline
▲ 0.50% · 4.625%
HK$77,072
+HK$3,859/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,426/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,448 · Scale 2, in force from 26 Feb 2026)