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$34,642
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,720
−HK$1,095/mo
Today · 4.125%
HK$36,815
baseline
▲ 0.50% · 4.625%
HK$39,055
+HK$2,240/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,630/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,539
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,573
−HK$1,048/mo
Today · 4.125%
HK$40,621
baseline
▲ 0.50% · 4.625%
HK$42,762
+HK$2,141/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,242/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,571
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,864
−HK$1,314/mo
Today · 4.125%
HK$44,178
baseline
▲ 0.50% · 4.625%
HK$46,866
+HK$2,688/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,356/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,247
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,487
−HK$1,259/mo
Today · 4.125%
HK$48,746
baseline
▲ 0.50% · 4.625%
HK$51,315
+HK$2,569/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,492/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,499
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,008
−HK$1,532/mo
Today · 4.125%
HK$51,540
baseline
▲ 0.50% · 4.625%
HK$54,677
+HK$3,137/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,080/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,955
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,402
−HK$1,468/mo
Today · 4.125%
HK$56,870
baseline
▲ 0.50% · 4.625%
HK$59,867
+HK$2,997/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,740/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,356
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,296
−HK$1,970/mo
Today · 4.125%
HK$66,266
baseline
▲ 0.50% · 4.625%
HK$70,298
+HK$4,032/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,532/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,710 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,370
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,231
−HK$1,887/mo
Today · 4.125%
HK$73,118
baseline
▲ 0.50% · 4.625%
HK$76,972
+HK$3,854/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,236/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,710 · Scale 2, in force from 26 Feb 2026)