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$34,602
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,679
−HK$1,093/mo
Today · 4.125%
HK$36,772
baseline
▲ 0.50% · 4.625%
HK$39,010
+HK$2,238/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,544/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,495
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,527
−HK$1,048/mo
Today · 4.125%
HK$40,575
baseline
▲ 0.50% · 4.625%
HK$42,713
+HK$2,138/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,150/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,523
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,814
−HK$1,313/mo
Today · 4.125%
HK$44,127
baseline
▲ 0.50% · 4.625%
HK$46,812
+HK$2,685/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,254/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,194
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,433
−HK$1,256/mo
Today · 4.125%
HK$48,689
baseline
▲ 0.50% · 4.625%
HK$51,256
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,378/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,443
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,950
−HK$1,531/mo
Today · 4.125%
HK$51,481
baseline
▲ 0.50% · 4.625%
HK$54,614
+HK$3,133/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,962/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,893
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,338
−HK$1,466/mo
Today · 4.125%
HK$56,804
baseline
▲ 0.50% · 4.625%
HK$59,799
+HK$2,995/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,608/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,284
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,222
−HK$1,968/mo
Today · 4.125%
HK$66,190
baseline
▲ 0.50% · 4.625%
HK$70,218
+HK$4,028/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,380/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,291
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,149
−HK$1,885/mo
Today · 4.125%
HK$73,034
baseline
▲ 0.50% · 4.625%
HK$76,884
+HK$3,850/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,068/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,055 · Scale 2, in force from 26 Feb 2026)