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$34,706
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,785
−HK$1,097/mo
Today · 4.125%
HK$36,882
baseline
▲ 0.50% · 4.625%
HK$39,126
+HK$2,244/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,764/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,610
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,645
−HK$1,051/mo
Today · 4.125%
HK$40,696
baseline
▲ 0.50% · 4.625%
HK$42,841
+HK$2,145/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,392/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,647
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,942
−HK$1,317/mo
Today · 4.125%
HK$44,259
baseline
▲ 0.50% · 4.625%
HK$46,952
+HK$2,693/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,518/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,332
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,574
−HK$1,261/mo
Today · 4.125%
HK$48,835
baseline
▲ 0.50% · 4.625%
HK$51,409
+HK$2,574/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,670/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,588
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,099
−HK$1,536/mo
Today · 4.125%
HK$51,635
baseline
▲ 0.50% · 4.625%
HK$54,777
+HK$3,142/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$103,270/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,054
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,503
−HK$1,471/mo
Today · 4.125%
HK$56,974
baseline
▲ 0.50% · 4.625%
HK$59,977
+HK$3,003/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$113,948/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,470
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,414
−HK$1,974/mo
Today · 4.125%
HK$66,388
baseline
▲ 0.50% · 4.625%
HK$70,427
+HK$4,039/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,776/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,498
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,362
−HK$1,890/mo
Today · 4.125%
HK$73,252
baseline
▲ 0.50% · 4.625%
HK$77,114
+HK$3,862/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,504/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,755 · Scale 2, in force from 26 Feb 2026)