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$34,699
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,778
−HK$1,096/mo
Today · 4.125%
HK$36,874
baseline
▲ 0.50% · 4.625%
HK$39,118
+HK$2,244/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,748/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,602
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,637
−HK$1,050/mo
Today · 4.125%
HK$40,687
baseline
▲ 0.50% · 4.625%
HK$42,832
+HK$2,145/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,374/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,638
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,933
−HK$1,316/mo
Today · 4.125%
HK$44,249
baseline
▲ 0.50% · 4.625%
HK$46,942
+HK$2,693/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,498/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,322
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,564
−HK$1,261/mo
Today · 4.125%
HK$48,825
baseline
▲ 0.50% · 4.625%
HK$51,398
+HK$2,573/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,650/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,578
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,089
−HK$1,535/mo
Today · 4.125%
HK$51,624
baseline
▲ 0.50% · 4.625%
HK$54,765
+HK$3,141/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$103,248/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,042
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,492
−HK$1,470/mo
Today · 4.125%
HK$56,962
baseline
▲ 0.50% · 4.625%
HK$59,965
+HK$3,003/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$113,924/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,457
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,400
−HK$1,974/mo
Today · 4.125%
HK$66,374
baseline
▲ 0.50% · 4.625%
HK$70,413
+HK$4,039/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,748/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,483
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,347
−HK$1,890/mo
Today · 4.125%
HK$73,237
baseline
▲ 0.50% · 4.625%
HK$77,098
+HK$3,861/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,474/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,636 · Scale 2, in force from 26 Feb 2026)