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$34,666
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,744
−HK$1,095/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$570,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,565
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,599
−HK$1,050/mo
Today · 4.125%
HK$40,649
baseline
▲ 0.50% · 4.625%
HK$42,791
+HK$2,142/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,298/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,599
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,893
−HK$1,314/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$570,093 · 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$51,350
+HK$2,572/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$570,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,532
−HK$3,043/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$570,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,991
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,439
−HK$1,469/mo
Today · 4.125%
HK$56,908
baseline
▲ 0.50% · 4.625%
HK$59,908
+HK$3,000/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,816/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,398
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,339
−HK$1,972/mo
Today · 4.125%
HK$66,311
baseline
▲ 0.50% · 4.625%
HK$70,346
+HK$4,035/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,622/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,417
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,279
−HK$1,889/mo
Today · 4.125%
HK$73,168
baseline
▲ 0.50% · 4.625%
HK$77,024
+HK$3,856/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,336/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,093 · Scale 2, in force from 26 Feb 2026)