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$34,709
−HK$2,176/mo
▼ 0.25% · 3.875%
HK$35,788
−HK$1,097/mo
Today · 4.125%
HK$36,885
baseline
▲ 0.50% · 4.625%
HK$39,130
+HK$2,245/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,770/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,613
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,649
−HK$1,050/mo
Today · 4.125%
HK$40,699
baseline
▲ 0.50% · 4.625%
HK$42,845
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,398/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,651
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,946
−HK$1,316/mo
Today · 4.125%
HK$44,262
baseline
▲ 0.50% · 4.625%
HK$46,956
+HK$2,694/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,524/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,336
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,578
−HK$1,261/mo
Today · 4.125%
HK$48,839
baseline
▲ 0.50% · 4.625%
HK$51,414
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,678/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,592
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,104
−HK$1,535/mo
Today · 4.125%
HK$51,639
baseline
▲ 0.50% · 4.625%
HK$54,782
+HK$3,143/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$103,278/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,058
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,508
−HK$1,471/mo
Today · 4.125%
HK$56,979
baseline
▲ 0.50% · 4.625%
HK$59,982
+HK$3,003/mo
Deposit HK$4.57M · loan HK$10.65M · min. income ≈ HK$113,958/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,476
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,419
−HK$1,975/mo
Today · 4.125%
HK$66,394
baseline
▲ 0.50% · 4.625%
HK$70,433
+HK$4,039/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,788/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,504
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,368
−HK$1,891/mo
Today · 4.125%
HK$73,259
baseline
▲ 0.50% · 4.625%
HK$77,120
+HK$3,861/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,518/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,804 · Scale 2, in force from 26 Feb 2026)