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$34,684
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,763
−HK$1,096/mo
Today · 4.125%
HK$36,859
baseline
▲ 0.50% · 4.625%
HK$39,101
+HK$2,242/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,718/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,585
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,620
−HK$1,050/mo
Today · 4.125%
HK$40,670
baseline
▲ 0.50% · 4.625%
HK$42,814
+HK$2,144/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,340/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,620
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,915
−HK$1,315/mo
Today · 4.125%
HK$44,230
baseline
▲ 0.50% · 4.625%
HK$46,922
+HK$2,692/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$88,460/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,302
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,544
−HK$1,260/mo
Today · 4.125%
HK$48,804
baseline
▲ 0.50% · 4.625%
HK$51,376
+HK$2,572/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$97,608/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,557
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,068
−HK$1,534/mo
Today · 4.125%
HK$51,602
baseline
▲ 0.50% · 4.625%
HK$54,742
+HK$3,140/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,204/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,019
−HK$2,919/mo
▼ 0.25% · 3.875%
HK$55,468
−HK$1,470/mo
Today · 4.125%
HK$56,938
baseline
▲ 0.50% · 4.625%
HK$59,939
+HK$3,001/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,876/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,431
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,373
−HK$1,973/mo
Today · 4.125%
HK$66,346
baseline
▲ 0.50% · 4.625%
HK$70,383
+HK$4,037/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,692/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,453
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,316
−HK$1,890/mo
Today · 4.125%
HK$73,206
baseline
▲ 0.50% · 4.625%
HK$77,065
+HK$3,859/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,412/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,391 · Scale 2, in force from 26 Feb 2026)