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$34,718
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,798
−HK$1,097/mo
Today · 4.125%
HK$36,895
baseline
▲ 0.50% · 4.625%
HK$39,140
+HK$2,245/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,790/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,623
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,659
−HK$1,051/mo
Today · 4.125%
HK$40,710
baseline
▲ 0.50% · 4.625%
HK$42,856
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,420/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,661
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,957
−HK$1,317/mo
Today · 4.125%
HK$44,274
baseline
▲ 0.50% · 4.625%
HK$46,968
+HK$2,694/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,548/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,348
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,591
−HK$1,261/mo
Today · 4.125%
HK$48,852
baseline
▲ 0.50% · 4.625%
HK$51,427
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,704/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,605
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,117
−HK$1,536/mo
Today · 4.125%
HK$51,653
baseline
▲ 0.50% · 4.625%
HK$54,796
+HK$3,143/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,306/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,072
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,522
−HK$1,472/mo
Today · 4.125%
HK$56,994
baseline
▲ 0.50% · 4.625%
HK$59,998
+HK$3,004/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$113,988/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,492
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,436
−HK$1,974/mo
Today · 4.125%
HK$66,410
baseline
▲ 0.50% · 4.625%
HK$70,451
+HK$4,041/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,820/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,521
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,386
−HK$1,891/mo
Today · 4.125%
HK$73,277
baseline
▲ 0.50% · 4.625%
HK$77,140
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,554/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,950 · Scale 2, in force from 26 Feb 2026)