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$34,683
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,762
−HK$1,096/mo
Today · 4.125%
HK$36,858
baseline
▲ 0.50% · 4.625%
HK$39,101
+HK$2,243/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,716/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,585
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,620
−HK$1,049/mo
Today · 4.125%
HK$40,669
baseline
▲ 0.50% · 4.625%
HK$42,813
+HK$2,144/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,338/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,620
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,915
−HK$1,315/mo
Today · 4.125%
HK$44,230
baseline
▲ 0.50% · 4.625%
HK$46,921
+HK$2,691/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$88,460/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,302
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,544
−HK$1,259/mo
Today · 4.125%
HK$48,803
baseline
▲ 0.50% · 4.625%
HK$51,376
+HK$2,573/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$97,606/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,557
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,067
−HK$1,534/mo
Today · 4.125%
HK$51,601
baseline
▲ 0.50% · 4.625%
HK$54,741
+HK$3,140/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,202/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,019
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,467
−HK$1,470/mo
Today · 4.125%
HK$56,937
baseline
▲ 0.50% · 4.625%
HK$59,938
+HK$3,001/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,874/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,430
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,372
−HK$1,973/mo
Today · 4.125%
HK$66,345
baseline
▲ 0.50% · 4.625%
HK$70,382
+HK$4,037/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,690/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,453
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,315
−HK$1,890/mo
Today · 4.125%
HK$73,205
baseline
▲ 0.50% · 4.625%
HK$77,064
+HK$3,859/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,410/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,385 · Scale 2, in force from 26 Feb 2026)