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$34,663
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,741
−HK$1,096/mo
Today · 4.125%
HK$36,837
baseline
▲ 0.50% · 4.625%
HK$39,078
+HK$2,241/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,674/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,562
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,597
−HK$1,049/mo
Today · 4.125%
HK$40,646
baseline
▲ 0.50% · 4.625%
HK$42,788
+HK$2,142/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,292/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,596
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,890
−HK$1,314/mo
Today · 4.125%
HK$44,204
baseline
▲ 0.50% · 4.625%
HK$46,894
+HK$2,690/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,408/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,275
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,516
−HK$1,259/mo
Today · 4.125%
HK$48,775
baseline
▲ 0.50% · 4.625%
HK$51,346
+HK$2,571/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,550/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,528
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,038
−HK$1,533/mo
Today · 4.125%
HK$51,571
baseline
▲ 0.50% · 4.625%
HK$54,709
+HK$3,138/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,142/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,987
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,435
−HK$1,469/mo
Today · 4.125%
HK$56,904
baseline
▲ 0.50% · 4.625%
HK$59,904
+HK$3,000/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,808/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,394
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,334
−HK$1,972/mo
Today · 4.125%
HK$66,306
baseline
▲ 0.50% · 4.625%
HK$70,341
+HK$4,035/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,612/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,412
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,274
−HK$1,888/mo
Today · 4.125%
HK$73,162
baseline
▲ 0.50% · 4.625%
HK$77,019
+HK$3,857/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,324/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,053 · Scale 2, in force from 26 Feb 2026)