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$34,672
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,750
−HK$1,096/mo
Today · 4.125%
HK$36,846
baseline
▲ 0.50% · 4.625%
HK$39,088
+HK$2,242/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,692/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,572
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,606
−HK$1,050/mo
Today · 4.125%
HK$40,656
baseline
▲ 0.50% · 4.625%
HK$42,799
+HK$2,143/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,312/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,606
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,900
−HK$1,315/mo
Today · 4.125%
HK$44,215
baseline
▲ 0.50% · 4.625%
HK$46,906
+HK$2,691/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,430/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,286
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,528
−HK$1,259/mo
Today · 4.125%
HK$48,787
baseline
▲ 0.50% · 4.625%
HK$51,359
+HK$2,572/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,574/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,540
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,050
−HK$1,534/mo
Today · 4.125%
HK$51,584
baseline
▲ 0.50% · 4.625%
HK$54,723
+HK$3,139/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,168/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,001
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,449
−HK$1,469/mo
Today · 4.125%
HK$56,918
baseline
▲ 0.50% · 4.625%
HK$59,919
+HK$3,001/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,836/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,409
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,350
−HK$1,973/mo
Today · 4.125%
HK$66,323
baseline
▲ 0.50% · 4.625%
HK$70,358
+HK$4,035/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,646/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,430
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,292
−HK$1,889/mo
Today · 4.125%
HK$73,181
baseline
▲ 0.50% · 4.625%
HK$77,038
+HK$3,857/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,362/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,196 · Scale 2, in force from 26 Feb 2026)