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$34,680
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,759
−HK$1,096/mo
Today · 4.125%
HK$36,855
baseline
▲ 0.50% · 4.625%
HK$39,098
+HK$2,243/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,710/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,582
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,616
−HK$1,050/mo
Today · 4.125%
HK$40,666
baseline
▲ 0.50% · 4.625%
HK$42,810
+HK$2,144/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,332/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,616
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,911
−HK$1,315/mo
Today · 4.125%
HK$44,226
baseline
▲ 0.50% · 4.625%
HK$46,917
+HK$2,691/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$88,452/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,298
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,540
−HK$1,259/mo
Today · 4.125%
HK$48,799
baseline
▲ 0.50% · 4.625%
HK$51,371
+HK$2,572/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$97,598/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,552
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,063
−HK$1,534/mo
Today · 4.125%
HK$51,597
baseline
▲ 0.50% · 4.625%
HK$54,737
+HK$3,140/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,194/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,014
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,463
−HK$1,469/mo
Today · 4.125%
HK$56,932
baseline
▲ 0.50% · 4.625%
HK$59,933
+HK$3,001/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,864/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,425
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,366
−HK$1,973/mo
Today · 4.125%
HK$66,339
baseline
▲ 0.50% · 4.625%
HK$70,376
+HK$4,037/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,678/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,447
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,309
−HK$1,890/mo
Today · 4.125%
HK$73,199
baseline
▲ 0.50% · 4.625%
HK$77,057
+HK$3,858/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,398/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,337 · Scale 2, in force from 26 Feb 2026)