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$34,608
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,684
−HK$1,094/mo
Today · 4.125%
HK$36,778
baseline
▲ 0.50% · 4.625%
HK$39,016
+HK$2,238/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,556/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,501
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,533
−HK$1,048/mo
Today · 4.125%
HK$40,581
baseline
▲ 0.50% · 4.625%
HK$42,720
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,162/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,529
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,821
−HK$1,312/mo
Today · 4.125%
HK$44,133
baseline
▲ 0.50% · 4.625%
HK$46,819
+HK$2,686/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,266/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,201
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,440
−HK$1,257/mo
Today · 4.125%
HK$48,697
baseline
▲ 0.50% · 4.625%
HK$51,264
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,394/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,451
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,958
−HK$1,531/mo
Today · 4.125%
HK$51,489
baseline
▲ 0.50% · 4.625%
HK$54,622
+HK$3,133/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,978/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,901
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,346
−HK$1,467/mo
Today · 4.125%
HK$56,813
baseline
▲ 0.50% · 4.625%
HK$59,808
+HK$2,995/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,626/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,294
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,231
−HK$1,969/mo
Today · 4.125%
HK$66,200
baseline
▲ 0.50% · 4.625%
HK$70,228
+HK$4,028/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,400/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,301
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,160
−HK$1,885/mo
Today · 4.125%
HK$73,045
baseline
▲ 0.50% · 4.625%
HK$76,896
+HK$3,851/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,090/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,141 · Scale 2, in force from 26 Feb 2026)