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$34,728
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,808
−HK$1,097/mo
Today · 4.125%
HK$36,905
baseline
▲ 0.50% · 4.625%
HK$39,151
+HK$2,246/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,810/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,634
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,670
−HK$1,051/mo
Today · 4.125%
HK$40,721
baseline
▲ 0.50% · 4.625%
HK$42,868
+HK$2,147/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,442/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,673
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,969
−HK$1,317/mo
Today · 4.125%
HK$44,286
baseline
▲ 0.50% · 4.625%
HK$46,981
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,572/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,361
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,604
−HK$1,262/mo
Today · 4.125%
HK$48,866
baseline
▲ 0.50% · 4.625%
HK$51,441
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,732/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,619
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,131
−HK$1,536/mo
Today · 4.125%
HK$51,667
baseline
▲ 0.50% · 4.625%
HK$54,811
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,334/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,088
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,538
−HK$1,472/mo
Today · 4.125%
HK$57,010
baseline
▲ 0.50% · 4.625%
HK$60,015
+HK$3,005/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,020/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,510
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,454
−HK$1,975/mo
Today · 4.125%
HK$66,429
baseline
▲ 0.50% · 4.625%
HK$70,472
+HK$4,043/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,858/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,541
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,406
−HK$1,892/mo
Today · 4.125%
HK$73,298
baseline
▲ 0.50% · 4.625%
HK$77,162
+HK$3,864/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,596/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,113 · Scale 2, in force from 26 Feb 2026)