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$34,693
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,772
−HK$1,097/mo
Today · 4.125%
HK$36,869
baseline
▲ 0.50% · 4.625%
HK$39,112
+HK$2,243/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,738/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,596
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,631
−HK$1,050/mo
Today · 4.125%
HK$40,681
baseline
▲ 0.50% · 4.625%
HK$42,825
+HK$2,144/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,362/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,632
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,927
−HK$1,315/mo
Today · 4.125%
HK$44,242
baseline
▲ 0.50% · 4.625%
HK$46,935
+HK$2,693/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,484/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,315
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,557
−HK$1,260/mo
Today · 4.125%
HK$48,817
baseline
▲ 0.50% · 4.625%
HK$51,390
+HK$2,573/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,634/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,570
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,081
−HK$1,535/mo
Today · 4.125%
HK$51,616
baseline
▲ 0.50% · 4.625%
HK$54,757
+HK$3,141/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,232/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,034
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,483
−HK$1,470/mo
Today · 4.125%
HK$56,953
baseline
▲ 0.50% · 4.625%
HK$59,956
+HK$3,003/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,906/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,448
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,390
−HK$1,974/mo
Today · 4.125%
HK$66,364
baseline
▲ 0.50% · 4.625%
HK$70,402
+HK$4,038/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,728/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,472
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,336
−HK$1,890/mo
Today · 4.125%
HK$73,226
baseline
▲ 0.50% · 4.625%
HK$77,086
+HK$3,860/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,452/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,548 · Scale 2, in force from 26 Feb 2026)