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$34,714
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,793
−HK$1,097/mo
Today · 4.125%
HK$36,890
baseline
▲ 0.50% · 4.625%
HK$39,135
+HK$2,245/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,780/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,618
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,654
−HK$1,051/mo
Today · 4.125%
HK$40,705
baseline
▲ 0.50% · 4.625%
HK$42,850
+HK$2,145/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,410/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,656
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,952
−HK$1,316/mo
Today · 4.125%
HK$44,268
baseline
▲ 0.50% · 4.625%
HK$46,962
+HK$2,694/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,536/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,342
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,585
−HK$1,261/mo
Today · 4.125%
HK$48,846
baseline
▲ 0.50% · 4.625%
HK$51,421
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,692/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,599
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,111
−HK$1,535/mo
Today · 4.125%
HK$51,646
baseline
▲ 0.50% · 4.625%
HK$54,789
+HK$3,143/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,292/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,066
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,516
−HK$1,471/mo
Today · 4.125%
HK$56,987
baseline
▲ 0.50% · 4.625%
HK$59,991
+HK$3,004/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$113,974/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,484
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,428
−HK$1,975/mo
Today · 4.125%
HK$66,403
baseline
▲ 0.50% · 4.625%
HK$70,443
+HK$4,040/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,806/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,513
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,377
−HK$1,892/mo
Today · 4.125%
HK$73,269
baseline
▲ 0.50% · 4.625%
HK$77,131
+HK$3,862/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,538/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,882 · Scale 2, in force from 26 Feb 2026)