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$34,628
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,705
−HK$1,094/mo
Today · 4.125%
HK$36,799
baseline
▲ 0.50% · 4.625%
HK$39,039
+HK$2,240/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,598/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,523
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,556
−HK$1,049/mo
Today · 4.125%
HK$40,605
baseline
▲ 0.50% · 4.625%
HK$42,745
+HK$2,140/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,210/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,554
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,846
−HK$1,313/mo
Today · 4.125%
HK$44,159
baseline
▲ 0.50% · 4.625%
HK$46,846
+HK$2,687/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,318/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,228
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,468
−HK$1,257/mo
Today · 4.125%
HK$48,725
baseline
▲ 0.50% · 4.625%
HK$51,294
+HK$2,569/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,450/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,479
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,987
−HK$1,532/mo
Today · 4.125%
HK$51,519
baseline
▲ 0.50% · 4.625%
HK$54,654
+HK$3,135/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,038/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,933
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,379
−HK$1,467/mo
Today · 4.125%
HK$56,846
baseline
▲ 0.50% · 4.625%
HK$59,843
+HK$2,997/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,692/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,330
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,269
−HK$1,970/mo
Today · 4.125%
HK$66,239
baseline
▲ 0.50% · 4.625%
HK$70,269
+HK$4,030/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,478/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,342
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,202
−HK$1,886/mo
Today · 4.125%
HK$73,088
baseline
▲ 0.50% · 4.625%
HK$76,941
+HK$3,853/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,176/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,475 · Scale 2, in force from 26 Feb 2026)