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$34,656
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,734
−HK$1,096/mo
Today · 4.125%
HK$36,830
baseline
▲ 0.50% · 4.625%
HK$39,071
+HK$2,241/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,660/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,555
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,589
−HK$1,049/mo
Today · 4.125%
HK$40,638
baseline
▲ 0.50% · 4.625%
HK$42,780
+HK$2,142/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,276/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,588
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,881
−HK$1,314/mo
Today · 4.125%
HK$44,195
baseline
▲ 0.50% · 4.625%
HK$46,885
+HK$2,690/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,390/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,266
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,507
−HK$1,258/mo
Today · 4.125%
HK$48,765
baseline
▲ 0.50% · 4.625%
HK$51,336
+HK$2,571/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,530/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,519
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,028
−HK$1,533/mo
Today · 4.125%
HK$51,561
baseline
▲ 0.50% · 4.625%
HK$54,699
+HK$3,138/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,122/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,977
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,424
−HK$1,469/mo
Today · 4.125%
HK$56,893
baseline
▲ 0.50% · 4.625%
HK$59,892
+HK$2,999/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,786/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,381
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,322
−HK$1,971/mo
Today · 4.125%
HK$66,293
baseline
▲ 0.50% · 4.625%
HK$70,327
+HK$4,034/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,586/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,399
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,260
−HK$1,888/mo
Today · 4.125%
HK$73,148
baseline
▲ 0.50% · 4.625%
HK$77,004
+HK$3,856/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,296/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,941 · Scale 2, in force from 26 Feb 2026)