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$34,746
−HK$2,179/mo
▼ 0.25% · 3.875%
HK$35,827
−HK$1,098/mo
Today · 4.125%
HK$36,925
baseline
▲ 0.50% · 4.625%
HK$39,172
+HK$2,247/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,850/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,655
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,691
−HK$1,052/mo
Today · 4.125%
HK$40,743
baseline
▲ 0.50% · 4.625%
HK$42,891
+HK$2,148/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,486/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,695
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,992
−HK$1,318/mo
Today · 4.125%
HK$44,310
baseline
▲ 0.50% · 4.625%
HK$47,006
+HK$2,696/mo
Deposit HK$6.10M · loan HK$9.14M · min. income ≈ HK$88,620/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,386
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,630
−HK$1,262/mo
Today · 4.125%
HK$48,892
baseline
▲ 0.50% · 4.625%
HK$51,469
+HK$2,577/mo
Deposit HK$6.10M · loan HK$9.14M · min. income ≈ HK$97,784/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,644
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,158
−HK$1,537/mo
Today · 4.125%
HK$51,695
baseline
▲ 0.50% · 4.625%
HK$54,840
+HK$3,145/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,390/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,116
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,568
−HK$1,472/mo
Today · 4.125%
HK$57,040
baseline
▲ 0.50% · 4.625%
HK$60,047
+HK$3,007/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,080/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,543
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,488
−HK$1,977/mo
Today · 4.125%
HK$66,465
baseline
▲ 0.50% · 4.625%
HK$70,509
+HK$4,044/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,930/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,578
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,444
−HK$1,893/mo
Today · 4.125%
HK$73,337
baseline
▲ 0.50% · 4.625%
HK$77,203
+HK$3,866/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,674/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,417 · Scale 2, in force from 26 Feb 2026)