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$34,716
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,795
−HK$1,098/mo
Today · 4.125%
HK$36,893
baseline
▲ 0.50% · 4.625%
HK$39,137
+HK$2,244/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,786/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,621
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,657
−HK$1,050/mo
Today · 4.125%
HK$40,707
baseline
▲ 0.50% · 4.625%
HK$42,853
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,414/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,659
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,955
−HK$1,316/mo
Today · 4.125%
HK$44,271
baseline
▲ 0.50% · 4.625%
HK$46,965
+HK$2,694/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,542/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,345
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,588
−HK$1,261/mo
Today · 4.125%
HK$48,849
baseline
▲ 0.50% · 4.625%
HK$51,424
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,698/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,602
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,114
−HK$1,536/mo
Today · 4.125%
HK$51,650
baseline
▲ 0.50% · 4.625%
HK$54,792
+HK$3,142/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,300/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,069
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,519
−HK$1,471/mo
Today · 4.125%
HK$56,990
baseline
▲ 0.50% · 4.625%
HK$59,994
+HK$3,004/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$113,980/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,488
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,432
−HK$1,975/mo
Today · 4.125%
HK$66,407
baseline
▲ 0.50% · 4.625%
HK$70,447
+HK$4,040/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,814/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,917 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,517
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,382
−HK$1,891/mo
Today · 4.125%
HK$73,273
baseline
▲ 0.50% · 4.625%
HK$77,136
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,546/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,917 · Scale 2, in force from 26 Feb 2026)