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$34,697
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,776
−HK$1,096/mo
Today · 4.125%
HK$36,872
baseline
▲ 0.50% · 4.625%
HK$39,116
+HK$2,244/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,744/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,600
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,635
−HK$1,050/mo
Today · 4.125%
HK$40,685
baseline
▲ 0.50% · 4.625%
HK$42,829
+HK$2,144/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,370/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,636
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,931
−HK$1,316/mo
Today · 4.125%
HK$44,247
baseline
▲ 0.50% · 4.625%
HK$46,939
+HK$2,692/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,494/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,319
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,562
−HK$1,260/mo
Today · 4.125%
HK$48,822
baseline
▲ 0.50% · 4.625%
HK$51,395
+HK$2,573/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,644/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,575
−HK$3,046/mo
▼ 0.25% · 3.875%
HK$50,086
−HK$1,535/mo
Today · 4.125%
HK$51,621
baseline
▲ 0.50% · 4.625%
HK$54,762
+HK$3,141/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,242/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,039
−HK$2,920/mo
▼ 0.25% · 3.875%
HK$55,489
−HK$1,470/mo
Today · 4.125%
HK$56,959
baseline
▲ 0.50% · 4.625%
HK$59,961
+HK$3,002/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,918/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,454
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,396
−HK$1,974/mo
Today · 4.125%
HK$66,370
baseline
▲ 0.50% · 4.625%
HK$70,409
+HK$4,039/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,740/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,479
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,343
−HK$1,890/mo
Today · 4.125%
HK$73,233
baseline
▲ 0.50% · 4.625%
HK$77,093
+HK$3,860/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,466/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,602 · Scale 2, in force from 26 Feb 2026)