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$34,675
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,754
−HK$1,096/mo
Today · 4.125%
HK$36,850
baseline
▲ 0.50% · 4.625%
HK$39,092
+HK$2,242/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,700/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,576
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,610
−HK$1,050/mo
Today · 4.125%
HK$40,660
baseline
▲ 0.50% · 4.625%
HK$42,803
+HK$2,143/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,320/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,610
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,905
−HK$1,315/mo
Today · 4.125%
HK$44,220
baseline
▲ 0.50% · 4.625%
HK$46,910
+HK$2,690/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,440/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,291
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,532
−HK$1,260/mo
Today · 4.125%
HK$48,792
baseline
▲ 0.50% · 4.625%
HK$51,364
+HK$2,572/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,584/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,545
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,055
−HK$1,534/mo
Today · 4.125%
HK$51,589
baseline
▲ 0.50% · 4.625%
HK$54,729
+HK$3,140/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,178/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,006
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,455
−HK$1,469/mo
Today · 4.125%
HK$56,924
baseline
▲ 0.50% · 4.625%
HK$59,924
+HK$3,000/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,848/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,415
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,357
−HK$1,972/mo
Today · 4.125%
HK$66,329
baseline
▲ 0.50% · 4.625%
HK$70,365
+HK$4,036/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,658/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,436
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,299
−HK$1,889/mo
Today · 4.125%
HK$73,188
baseline
▲ 0.50% · 4.625%
HK$77,046
+HK$3,858/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,376/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,252 · Scale 2, in force from 26 Feb 2026)