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$34,715
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,795
−HK$1,097/mo
Today · 4.125%
HK$36,892
baseline
▲ 0.50% · 4.625%
HK$39,136
+HK$2,244/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,784/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,620
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,656
−HK$1,050/mo
Today · 4.125%
HK$40,706
baseline
▲ 0.50% · 4.625%
HK$42,852
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,412/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,658
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,953
−HK$1,317/mo
Today · 4.125%
HK$44,270
baseline
▲ 0.50% · 4.625%
HK$46,964
+HK$2,694/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,540/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,344
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,587
−HK$1,261/mo
Today · 4.125%
HK$48,848
baseline
▲ 0.50% · 4.625%
HK$51,422
+HK$2,574/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,696/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,601
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,112
−HK$1,536/mo
Today · 4.125%
HK$51,648
baseline
▲ 0.50% · 4.625%
HK$54,791
+HK$3,143/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,296/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,068
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,518
−HK$1,471/mo
Today · 4.125%
HK$56,989
baseline
▲ 0.50% · 4.625%
HK$59,993
+HK$3,004/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$113,978/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,487
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,430
−HK$1,975/mo
Today · 4.125%
HK$66,405
baseline
▲ 0.50% · 4.625%
HK$70,446
+HK$4,041/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,810/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,516
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,380
−HK$1,891/mo
Today · 4.125%
HK$73,271
baseline
▲ 0.50% · 4.625%
HK$77,134
+HK$3,863/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,542/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,902 · Scale 2, in force from 26 Feb 2026)