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$35,812
−HK$1,097/mo
Today · 4.125%
HK$36,909
baseline
▲ 0.50% · 4.625%
HK$39,155
+HK$2,246/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$571,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,638
−HK$2,088/mo
▼ 0.25% · 3.875%
HK$39,674
−HK$1,052/mo
Today · 4.125%
HK$40,726
baseline
▲ 0.50% · 4.625%
HK$42,872
+HK$2,146/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,452/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,677
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,974
−HK$1,317/mo
Today · 4.125%
HK$44,291
baseline
▲ 0.50% · 4.625%
HK$46,986
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,582/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,366
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,609
−HK$1,262/mo
Today · 4.125%
HK$48,871
baseline
▲ 0.50% · 4.625%
HK$51,447
+HK$2,576/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,742/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,624
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,136
−HK$1,537/mo
Today · 4.125%
HK$51,673
baseline
▲ 0.50% · 4.625%
HK$54,817
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,346/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,093
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,544
−HK$1,472/mo
Today · 4.125%
HK$57,016
baseline
▲ 0.50% · 4.625%
HK$60,021
+HK$3,005/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,032/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,516
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,461
−HK$1,976/mo
Today · 4.125%
HK$66,437
baseline
▲ 0.50% · 4.625%
HK$70,479
+HK$4,042/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$132,874/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,549
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,414
−HK$1,892/mo
Today · 4.125%
HK$73,306
baseline
▲ 0.50% · 4.625%
HK$77,170
+HK$3,864/mo
Deposit HK$1.52M · loan HK$13.71M · min. income ≈ HK$146,612/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,174 · Scale 2, in force from 26 Feb 2026)