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$34,713
−HK$2,177/mo
▼ 0.25% · 3.875%
HK$35,793
−HK$1,097/mo
Today · 4.125%
HK$36,890
baseline
▲ 0.50% · 4.625%
HK$39,134
+HK$2,244/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$73,780/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,618
−HK$2,086/mo
▼ 0.25% · 3.875%
HK$39,653
−HK$1,051/mo
Today · 4.125%
HK$40,704
baseline
▲ 0.50% · 4.625%
HK$42,850
+HK$2,146/mo
Deposit HK$7.61M · loan HK$7.61M · min. income ≈ HK$81,408/mo (50% DSR)
Upfront cash ≈ HK$8.18M (deposit + AVD stamp duty HK$570,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,655
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,951
−HK$1,317/mo
Today · 4.125%
HK$44,268
baseline
▲ 0.50% · 4.625%
HK$46,961
+HK$2,693/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$88,536/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,341
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,584
−HK$1,261/mo
Today · 4.125%
HK$48,845
baseline
▲ 0.50% · 4.625%
HK$51,420
+HK$2,575/mo
Deposit HK$6.09M · loan HK$9.13M · min. income ≈ HK$97,690/mo (50% DSR)
Upfront cash ≈ HK$6.66M (deposit + AVD stamp duty HK$570,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,598
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,110
−HK$1,536/mo
Today · 4.125%
HK$51,646
baseline
▲ 0.50% · 4.625%
HK$54,788
+HK$3,142/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$103,292/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,065
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,515
−HK$1,471/mo
Today · 4.125%
HK$56,986
baseline
▲ 0.50% · 4.625%
HK$59,990
+HK$3,004/mo
Deposit HK$4.57M · loan HK$10.66M · min. income ≈ HK$113,972/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$570,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,483
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,427
−HK$1,974/mo
Today · 4.125%
HK$66,401
baseline
▲ 0.50% · 4.625%
HK$70,442
+HK$4,041/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$132,802/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,512
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,376
−HK$1,891/mo
Today · 4.125%
HK$73,267
baseline
▲ 0.50% · 4.625%
HK$77,129
+HK$3,862/mo
Deposit HK$1.52M · loan HK$13.70M · min. income ≈ HK$146,534/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,872 · Scale 2, in force from 26 Feb 2026)