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$39,102
+HK$2,242/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$570,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,586
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,621
−HK$1,050/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$570,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,622
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,916
−HK$1,316/mo
Today · 4.125%
HK$44,232
baseline
▲ 0.50% · 4.625%
HK$46,923
+HK$2,691/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$570,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,304
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,545
−HK$1,260/mo
Today · 4.125%
HK$48,805
baseline
▲ 0.50% · 4.625%
HK$51,378
+HK$2,573/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$97,610/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,558
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,069
−HK$1,535/mo
Today · 4.125%
HK$51,604
baseline
▲ 0.50% · 4.625%
HK$54,743
+HK$3,139/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$570,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,021
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,470
−HK$1,469/mo
Today · 4.125%
HK$56,939
baseline
▲ 0.50% · 4.625%
HK$59,941
+HK$3,002/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,878/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,432
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,374
−HK$1,973/mo
Today · 4.125%
HK$66,347
baseline
▲ 0.50% · 4.625%
HK$70,384
+HK$4,037/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,694/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,455
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,318
−HK$1,890/mo
Today · 4.125%
HK$73,208
baseline
▲ 0.50% · 4.625%
HK$77,067
+HK$3,859/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,416/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,407 · Scale 2, in force from 26 Feb 2026)