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$34,677
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,756
−HK$1,096/mo
Today · 4.125%
HK$36,852
baseline
▲ 0.50% · 4.625%
HK$39,094
+HK$2,242/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,704/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,578
−HK$2,085/mo
▼ 0.25% · 3.875%
HK$39,613
−HK$1,050/mo
Today · 4.125%
HK$40,663
baseline
▲ 0.50% · 4.625%
HK$42,806
+HK$2,143/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,326/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,613
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,907
−HK$1,315/mo
Today · 4.125%
HK$44,222
baseline
▲ 0.50% · 4.625%
HK$46,913
+HK$2,691/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,444/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,294
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,536
−HK$1,259/mo
Today · 4.125%
HK$48,795
baseline
▲ 0.50% · 4.625%
HK$51,367
+HK$2,572/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,590/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,548
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,059
−HK$1,534/mo
Today · 4.125%
HK$51,593
baseline
▲ 0.50% · 4.625%
HK$54,732
+HK$3,139/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,186/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,010
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,458
−HK$1,470/mo
Today · 4.125%
HK$56,928
baseline
▲ 0.50% · 4.625%
HK$59,928
+HK$3,000/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,856/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,419
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,361
−HK$1,973/mo
Today · 4.125%
HK$66,334
baseline
▲ 0.50% · 4.625%
HK$70,370
+HK$4,036/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,668/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,441
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,303
−HK$1,890/mo
Today · 4.125%
HK$73,193
baseline
▲ 0.50% · 4.625%
HK$77,051
+HK$3,858/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,386/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,289 · Scale 2, in force from 26 Feb 2026)