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$34,722
−HK$2,178/mo
▼ 0.25% · 3.875%
HK$35,802
−HK$1,098/mo
Today · 4.125%
HK$36,900
baseline
▲ 0.50% · 4.625%
HK$39,145
+HK$2,245/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,800/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$571,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,628
−HK$2,087/mo
▼ 0.25% · 3.875%
HK$39,664
−HK$1,051/mo
Today · 4.125%
HK$40,715
baseline
▲ 0.50% · 4.625%
HK$42,861
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,430/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$571,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,667
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,963
−HK$1,316/mo
Today · 4.125%
HK$44,279
baseline
▲ 0.50% · 4.625%
HK$46,974
+HK$2,695/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$88,558/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,354
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,597
−HK$1,261/mo
Today · 4.125%
HK$48,858
baseline
▲ 0.50% · 4.625%
HK$51,433
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.14M · min. income ≈ HK$97,716/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$571,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,611
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,123
−HK$1,536/mo
Today · 4.125%
HK$51,659
baseline
▲ 0.50% · 4.625%
HK$54,803
+HK$3,144/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,318/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,079
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,530
−HK$1,471/mo
Today · 4.125%
HK$57,001
baseline
▲ 0.50% · 4.625%
HK$60,006
+HK$3,005/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$114,002/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$571,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,500
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,444
−HK$1,975/mo
Today · 4.125%
HK$66,419
baseline
▲ 0.50% · 4.625%
HK$70,461
+HK$4,042/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,838/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,531
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,395
−HK$1,892/mo
Today · 4.125%
HK$73,287
baseline
▲ 0.50% · 4.625%
HK$77,150
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,574/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$571,025 · Scale 2, in force from 26 Feb 2026)