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$34,694
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,773
−HK$1,096/mo
Today · 4.125%
HK$36,869
baseline
▲ 0.50% · 4.625%
HK$39,113
+HK$2,244/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$570,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,596
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,631
−HK$1,051/mo
Today · 4.125%
HK$40,682
baseline
▲ 0.50% · 4.625%
HK$42,826
+HK$2,144/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,364/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,632
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,927
−HK$1,316/mo
Today · 4.125%
HK$44,243
baseline
▲ 0.50% · 4.625%
HK$46,935
+HK$2,692/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,486/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,316
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,558
−HK$1,260/mo
Today · 4.125%
HK$48,818
baseline
▲ 0.50% · 4.625%
HK$51,391
+HK$2,573/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,636/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,571
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,082
−HK$1,535/mo
Today · 4.125%
HK$51,617
baseline
▲ 0.50% · 4.625%
HK$54,758
+HK$3,141/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,234/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,035
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,484
−HK$1,470/mo
Today · 4.125%
HK$56,954
baseline
▲ 0.50% · 4.625%
HK$59,956
+HK$3,002/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,908/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,448
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,391
−HK$1,974/mo
Today · 4.125%
HK$66,365
baseline
▲ 0.50% · 4.625%
HK$70,403
+HK$4,038/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,730/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,473
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,337
−HK$1,890/mo
Today · 4.125%
HK$73,227
baseline
▲ 0.50% · 4.625%
HK$77,087
+HK$3,860/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,454/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,555 · Scale 2, in force from 26 Feb 2026)