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$34,727
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,807
−HK$1,097/mo
Today · 4.125%
HK$36,904
baseline
▲ 0.50% · 4.625%
HK$39,150
+HK$2,246/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,808/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,633
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,669
−HK$1,051/mo
Today · 4.125%
HK$40,720
baseline
▲ 0.50% · 4.625%
HK$42,867
+HK$2,147/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,440/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,672
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,968
−HK$1,317/mo
Today · 4.125%
HK$44,285
baseline
▲ 0.50% · 4.625%
HK$46,980
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,570/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,360
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,603
−HK$1,261/mo
Today · 4.125%
HK$48,864
baseline
▲ 0.50% · 4.625%
HK$51,440
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,728/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,617
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,130
−HK$1,536/mo
Today · 4.125%
HK$51,666
baseline
▲ 0.50% · 4.625%
HK$54,810
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,332/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,086
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,537
−HK$1,472/mo
Today · 4.125%
HK$57,009
baseline
▲ 0.50% · 4.625%
HK$60,014
+HK$3,005/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,018/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,508
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,453
−HK$1,975/mo
Today · 4.125%
HK$66,428
baseline
▲ 0.50% · 4.625%
HK$70,470
+HK$4,042/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,856/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,540
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,405
−HK$1,892/mo
Today · 4.125%
HK$73,297
baseline
▲ 0.50% · 4.625%
HK$77,160
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,594/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,100 · Scale 2, in force from 26 Feb 2026)