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$34,721
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,801
−HK$1,097/mo
Today · 4.125%
HK$36,898
baseline
▲ 0.50% · 4.625%
HK$39,143
+HK$2,245/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,796/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$571,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,627
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,663
−HK$1,050/mo
Today · 4.125%
HK$40,713
baseline
▲ 0.50% · 4.625%
HK$42,860
+HK$2,147/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,426/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$571,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,665
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,961
−HK$1,317/mo
Today · 4.125%
HK$44,278
baseline
▲ 0.50% · 4.625%
HK$46,972
+HK$2,694/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,556/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,352
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,595
−HK$1,261/mo
Today · 4.125%
HK$48,856
baseline
▲ 0.50% · 4.625%
HK$51,431
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,712/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,609
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,121
−HK$1,536/mo
Today · 4.125%
HK$51,657
baseline
▲ 0.50% · 4.625%
HK$54,801
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,314/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,077
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,528
−HK$1,471/mo
Today · 4.125%
HK$56,999
baseline
▲ 0.50% · 4.625%
HK$60,003
+HK$3,004/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$113,998/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,498
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,442
−HK$1,975/mo
Today · 4.125%
HK$66,417
baseline
▲ 0.50% · 4.625%
HK$70,458
+HK$4,041/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,834/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,528
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,393
−HK$1,891/mo
Today · 4.125%
HK$73,284
baseline
▲ 0.50% · 4.625%
HK$77,147
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,568/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,003 · Scale 2, in force from 26 Feb 2026)