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$34,612
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,688
−HK$1,094/mo
Today · 4.125%
HK$36,782
baseline
▲ 0.50% · 4.625%
HK$39,020
+HK$2,238/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,564/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,505
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,538
−HK$1,047/mo
Today · 4.125%
HK$40,585
baseline
▲ 0.50% · 4.625%
HK$42,725
+HK$2,140/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,170/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,534
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,826
−HK$1,312/mo
Today · 4.125%
HK$44,138
baseline
▲ 0.50% · 4.625%
HK$46,824
+HK$2,686/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,276/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,206
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,445
−HK$1,257/mo
Today · 4.125%
HK$48,702
baseline
▲ 0.50% · 4.625%
HK$51,270
+HK$2,568/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,404/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,456
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,964
−HK$1,531/mo
Today · 4.125%
HK$51,495
baseline
▲ 0.50% · 4.625%
HK$54,628
+HK$3,133/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$102,990/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,907
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,353
−HK$1,467/mo
Today · 4.125%
HK$56,820
baseline
▲ 0.50% · 4.625%
HK$59,815
+HK$2,995/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$113,640/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,301
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,239
−HK$1,969/mo
Today · 4.125%
HK$66,208
baseline
▲ 0.50% · 4.625%
HK$70,236
+HK$4,028/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,416/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,309
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,168
−HK$1,886/mo
Today · 4.125%
HK$73,054
baseline
▲ 0.50% · 4.625%
HK$76,904
+HK$3,850/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,108/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,206 · Scale 2, in force from 26 Feb 2026)