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$34,750
−HK$2,180/mo
▼ 0.25% · 3.875%
HK$35,831
−HK$1,099/mo
Today · 4.125%
HK$36,930
baseline
▲ 0.50% · 4.625%
HK$39,177
+HK$2,247/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$73,860/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,659
−HK$2,089/mo
▼ 0.25% · 3.875%
HK$39,696
−HK$1,052/mo
Today · 4.125%
HK$40,748
baseline
▲ 0.50% · 4.625%
HK$42,896
+HK$2,148/mo
Deposit HK$7.62M · loan HK$7.62M · min. income ≈ HK$81,496/mo (50% DSR)
Upfront cash ≈ HK$8.19M (deposit + AVD stamp duty HK$571,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,700
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,998
−HK$1,317/mo
Today · 4.125%
HK$44,315
baseline
▲ 0.50% · 4.625%
HK$47,012
+HK$2,697/mo
Deposit HK$6.10M · loan HK$9.14M · min. income ≈ HK$88,630/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,391
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,636
−HK$1,262/mo
Today · 4.125%
HK$48,898
baseline
▲ 0.50% · 4.625%
HK$51,475
+HK$2,577/mo
Deposit HK$6.10M · loan HK$9.14M · min. income ≈ HK$97,796/mo (50% DSR)
Upfront cash ≈ HK$6.67M (deposit + AVD stamp duty HK$571,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,651
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,164
−HK$1,537/mo
Today · 4.125%
HK$51,701
baseline
▲ 0.50% · 4.625%
HK$54,847
+HK$3,146/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$103,402/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,123
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,575
−HK$1,472/mo
Today · 4.125%
HK$57,047
baseline
▲ 0.50% · 4.625%
HK$60,054
+HK$3,007/mo
Deposit HK$4.57M · loan HK$10.67M · min. income ≈ HK$114,094/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,551
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,496
−HK$1,977/mo
Today · 4.125%
HK$66,473
baseline
▲ 0.50% · 4.625%
HK$70,518
+HK$4,045/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$132,946/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,587
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,453
−HK$1,894/mo
Today · 4.125%
HK$73,347
baseline
▲ 0.50% · 4.625%
HK$77,213
+HK$3,866/mo
Deposit HK$1.52M · loan HK$13.72M · min. income ≈ HK$146,694/mo (50% DSR)
Upfront cash ≈ HK$2.10M (deposit + AVD stamp duty HK$571,489 · Scale 2, in force from 26 Feb 2026)