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$34,605
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,681
−HK$1,094/mo
Today · 4.125%
HK$36,775
baseline
▲ 0.50% · 4.625%
HK$39,013
+HK$2,238/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,550/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,498
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,530
−HK$1,047/mo
Today · 4.125%
HK$40,577
baseline
▲ 0.50% · 4.625%
HK$42,716
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,154/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,526
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,818
−HK$1,312/mo
Today · 4.125%
HK$44,130
baseline
▲ 0.50% · 4.625%
HK$46,815
+HK$2,685/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,260/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,197
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,436
−HK$1,257/mo
Today · 4.125%
HK$48,693
baseline
▲ 0.50% · 4.625%
HK$51,260
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,386/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,447
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,954
−HK$1,531/mo
Today · 4.125%
HK$51,485
baseline
▲ 0.50% · 4.625%
HK$54,618
+HK$3,133/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,970/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,897
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,342
−HK$1,466/mo
Today · 4.125%
HK$56,808
baseline
▲ 0.50% · 4.625%
HK$59,803
+HK$2,995/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,616/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,289
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,226
−HK$1,969/mo
Today · 4.125%
HK$66,195
baseline
▲ 0.50% · 4.625%
HK$70,223
+HK$4,028/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,390/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,296
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,154
−HK$1,885/mo
Today · 4.125%
HK$73,039
baseline
▲ 0.50% · 4.625%
HK$76,889
+HK$3,850/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,078/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,096 · Scale 2, in force from 26 Feb 2026)