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$34,619
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,696
−HK$1,094/mo
Today · 4.125%
HK$36,790
baseline
▲ 0.50% · 4.625%
HK$39,028
+HK$2,238/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,580/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,513
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,546
−HK$1,048/mo
Today · 4.125%
HK$40,594
baseline
▲ 0.50% · 4.625%
HK$42,733
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,188/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,542
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,835
−HK$1,312/mo
Today · 4.125%
HK$44,147
baseline
▲ 0.50% · 4.625%
HK$46,834
+HK$2,687/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,294/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,216
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,455
−HK$1,257/mo
Today · 4.125%
HK$48,712
baseline
▲ 0.50% · 4.625%
HK$51,280
+HK$2,568/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,424/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,466
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,974
−HK$1,531/mo
Today · 4.125%
HK$51,505
baseline
▲ 0.50% · 4.625%
HK$54,639
+HK$3,134/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$103,010/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,918
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,364
−HK$1,467/mo
Today · 4.125%
HK$56,831
baseline
▲ 0.50% · 4.625%
HK$59,827
+HK$2,996/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$113,662/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,314
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,252
−HK$1,969/mo
Today · 4.125%
HK$66,221
baseline
▲ 0.50% · 4.625%
HK$70,251
+HK$4,030/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,442/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,323
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,183
−HK$1,886/mo
Today · 4.125%
HK$73,069
baseline
▲ 0.50% · 4.625%
HK$76,920
+HK$3,851/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,138/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,323 · Scale 2, in force from 26 Feb 2026)