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$34,685
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,764
−HK$1,096/mo
Today · 4.125%
HK$36,860
baseline
▲ 0.50% · 4.625%
HK$39,103
+HK$2,243/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,720/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,587
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,622
−HK$1,049/mo
Today · 4.125%
HK$40,671
baseline
▲ 0.50% · 4.625%
HK$42,815
+HK$2,144/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,342/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,622
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,917
−HK$1,315/mo
Today · 4.125%
HK$44,232
baseline
▲ 0.50% · 4.625%
HK$46,924
+HK$2,692/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$88,464/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,304
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,546
−HK$1,260/mo
Today · 4.125%
HK$48,806
baseline
▲ 0.50% · 4.625%
HK$51,378
+HK$2,572/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$97,612/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,559
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,070
−HK$1,534/mo
Today · 4.125%
HK$51,604
baseline
▲ 0.50% · 4.625%
HK$54,744
+HK$3,140/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,208/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,021
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,470
−HK$1,470/mo
Today · 4.125%
HK$56,940
baseline
▲ 0.50% · 4.625%
HK$59,941
+HK$3,001/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,880/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,433
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,375
−HK$1,973/mo
Today · 4.125%
HK$66,348
baseline
▲ 0.50% · 4.625%
HK$70,385
+HK$4,037/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,696/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,456
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,319
−HK$1,890/mo
Today · 4.125%
HK$73,209
baseline
▲ 0.50% · 4.625%
HK$77,068
+HK$3,859/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,418/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,414 · Scale 2, in force from 26 Feb 2026)