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$34,633
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,711
−HK$1,094/mo
Today · 4.125%
HK$36,805
baseline
▲ 0.50% · 4.625%
HK$39,045
+HK$2,240/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,610/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,529
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,563
−HK$1,048/mo
Today · 4.125%
HK$40,611
baseline
▲ 0.50% · 4.625%
HK$42,752
+HK$2,141/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,222/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,560
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,853
−HK$1,313/mo
Today · 4.125%
HK$44,166
baseline
▲ 0.50% · 4.625%
HK$46,854
+HK$2,688/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$88,332/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,235
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,475
−HK$1,258/mo
Today · 4.125%
HK$48,733
baseline
▲ 0.50% · 4.625%
HK$51,302
+HK$2,569/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$97,466/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,487
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,995
−HK$1,532/mo
Today · 4.125%
HK$51,527
baseline
▲ 0.50% · 4.625%
HK$54,663
+HK$3,136/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,054/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,941
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,388
−HK$1,467/mo
Today · 4.125%
HK$56,855
baseline
▲ 0.50% · 4.625%
HK$59,852
+HK$2,997/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,710/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,340
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,279
−HK$1,970/mo
Today · 4.125%
HK$66,249
baseline
▲ 0.50% · 4.625%
HK$70,280
+HK$4,031/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,498/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,353
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,213
−HK$1,887/mo
Today · 4.125%
HK$73,100
baseline
▲ 0.50% · 4.625%
HK$76,953
+HK$3,853/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,200/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,564 · Scale 2, in force from 26 Feb 2026)