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$34,711
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,790
−HK$1,097/mo
Today · 4.125%
HK$36,887
baseline
▲ 0.50% · 4.625%
HK$39,132
+HK$2,245/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,774/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,615
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,651
−HK$1,050/mo
Today · 4.125%
HK$40,701
baseline
▲ 0.50% · 4.625%
HK$42,847
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,402/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,653
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,948
−HK$1,317/mo
Today · 4.125%
HK$44,265
baseline
▲ 0.50% · 4.625%
HK$46,958
+HK$2,693/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,530/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,338
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,581
−HK$1,261/mo
Today · 4.125%
HK$48,842
baseline
▲ 0.50% · 4.625%
HK$51,416
+HK$2,574/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,684/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,595
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,106
−HK$1,536/mo
Today · 4.125%
HK$51,642
baseline
▲ 0.50% · 4.625%
HK$54,784
+HK$3,142/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,284/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,061
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,511
−HK$1,471/mo
Today · 4.125%
HK$56,982
baseline
▲ 0.50% · 4.625%
HK$59,986
+HK$3,004/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$113,964/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,479
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,422
−HK$1,975/mo
Today · 4.125%
HK$66,397
baseline
▲ 0.50% · 4.625%
HK$70,437
+HK$4,040/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,794/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,507
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,371
−HK$1,891/mo
Today · 4.125%
HK$73,262
baseline
▲ 0.50% · 4.625%
HK$77,124
+HK$3,862/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,524/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,833 · Scale 2, in force from 26 Feb 2026)