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$34,628
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,705
−HK$1,094/mo
Today · 4.125%
HK$36,799
baseline
▲ 0.50% · 4.625%
HK$39,038
+HK$2,239/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,598/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,523
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,556
−HK$1,048/mo
Today · 4.125%
HK$40,604
baseline
▲ 0.50% · 4.625%
HK$42,744
+HK$2,140/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,208/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,553
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,846
−HK$1,313/mo
Today · 4.125%
HK$44,159
baseline
▲ 0.50% · 4.625%
HK$46,846
+HK$2,687/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,318/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,227
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,467
−HK$1,258/mo
Today · 4.125%
HK$48,725
baseline
▲ 0.50% · 4.625%
HK$51,293
+HK$2,568/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,450/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,479
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,987
−HK$1,532/mo
Today · 4.125%
HK$51,519
baseline
▲ 0.50% · 4.625%
HK$54,653
+HK$3,134/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,038/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,932
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,378
−HK$1,468/mo
Today · 4.125%
HK$56,846
baseline
▲ 0.50% · 4.625%
HK$59,842
+HK$2,996/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,692/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,330
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,268
−HK$1,970/mo
Today · 4.125%
HK$66,238
baseline
▲ 0.50% · 4.625%
HK$70,269
+HK$4,031/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,476/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,341
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,201
−HK$1,886/mo
Today · 4.125%
HK$73,087
baseline
▲ 0.50% · 4.625%
HK$76,940
+HK$3,853/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,174/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,469 · Scale 2, in force from 26 Feb 2026)