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$34,665
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,743
−HK$1,096/mo
Today · 4.125%
HK$36,839
baseline
▲ 0.50% · 4.625%
HK$39,081
+HK$2,242/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,678/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,565
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,599
−HK$1,049/mo
Today · 4.125%
HK$40,648
baseline
▲ 0.50% · 4.625%
HK$42,791
+HK$2,143/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,296/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,598
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,892
−HK$1,315/mo
Today · 4.125%
HK$44,207
baseline
▲ 0.50% · 4.625%
HK$46,897
+HK$2,690/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,414/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,278
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,519
−HK$1,259/mo
Today · 4.125%
HK$48,778
baseline
▲ 0.50% · 4.625%
HK$51,349
+HK$2,571/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,556/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,531
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,041
−HK$1,534/mo
Today · 4.125%
HK$51,575
baseline
▲ 0.50% · 4.625%
HK$54,713
+HK$3,138/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,150/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,991
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,439
−HK$1,468/mo
Today · 4.125%
HK$56,907
baseline
▲ 0.50% · 4.625%
HK$59,907
+HK$3,000/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,814/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,397
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,338
−HK$1,972/mo
Today · 4.125%
HK$66,310
baseline
▲ 0.50% · 4.625%
HK$70,345
+HK$4,035/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,620/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,416
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,278
−HK$1,889/mo
Today · 4.125%
HK$73,167
baseline
▲ 0.50% · 4.625%
HK$77,023
+HK$3,856/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,334/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,088 · Scale 2, in force from 26 Feb 2026)