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$34,731
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,811
−HK$1,098/mo
Today · 4.125%
HK$36,909
baseline
▲ 0.50% · 4.625%
HK$39,154
+HK$2,245/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,818/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,638
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,674
−HK$1,051/mo
Today · 4.125%
HK$40,725
baseline
▲ 0.50% · 4.625%
HK$42,872
+HK$2,147/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,450/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,677
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,973
−HK$1,317/mo
Today · 4.125%
HK$44,290
baseline
▲ 0.50% · 4.625%
HK$46,985
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,580/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,365
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,609
−HK$1,261/mo
Today · 4.125%
HK$48,870
baseline
▲ 0.50% · 4.625%
HK$51,446
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,740/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,623
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,135
−HK$1,537/mo
Today · 4.125%
HK$51,672
baseline
▲ 0.50% · 4.625%
HK$54,816
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,344/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,093
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,543
−HK$1,472/mo
Today · 4.125%
HK$57,015
baseline
▲ 0.50% · 4.625%
HK$60,020
+HK$3,005/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,030/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,515
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,460
−HK$1,976/mo
Today · 4.125%
HK$66,436
baseline
▲ 0.50% · 4.625%
HK$70,478
+HK$4,042/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,872/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,548
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,413
−HK$1,892/mo
Today · 4.125%
HK$73,305
baseline
▲ 0.50% · 4.625%
HK$77,169
+HK$3,864/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,610/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,165 · Scale 2, in force from 26 Feb 2026)