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$34,758
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,840
−HK$1,098/mo
Today · 4.125%
HK$36,938
baseline
▲ 0.50% · 4.625%
HK$39,186
+HK$2,248/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,876/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,668
−HK$2,090/mo
▼ 0.25% · 3.875%
HK$39,706
−HK$1,052/mo
Today · 4.125%
HK$40,758
baseline
▲ 0.50% · 4.625%
HK$42,906
+HK$2,148/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,516/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,710
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,008
−HK$1,318/mo
Today · 4.125%
HK$44,326
baseline
▲ 0.50% · 4.625%
HK$47,023
+HK$2,697/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$88,652/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,402
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,647
−HK$1,262/mo
Today · 4.125%
HK$48,909
baseline
▲ 0.50% · 4.625%
HK$51,487
+HK$2,578/mo
Deposit HK$6.10M · loan HK$9.15M · min. income ≈ HK$97,818/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,662
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,176
−HK$1,537/mo
Today · 4.125%
HK$51,713
baseline
▲ 0.50% · 4.625%
HK$54,860
+HK$3,147/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,426/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,136
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,588
−HK$1,473/mo
Today · 4.125%
HK$57,061
baseline
▲ 0.50% · 4.625%
HK$60,068
+HK$3,007/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,122/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,565
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,511
−HK$1,978/mo
Today · 4.125%
HK$66,489
baseline
▲ 0.50% · 4.625%
HK$70,534
+HK$4,045/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$132,978/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,603
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,470
−HK$1,894/mo
Today · 4.125%
HK$73,364
baseline
▲ 0.50% · 4.625%
HK$77,231
+HK$3,867/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,728/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,622 · Scale 2, in force from 26 Feb 2026)