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$34,599
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,676
−HK$1,093/mo
Today · 4.125%
HK$36,769
baseline
▲ 0.50% · 4.625%
HK$39,006
+HK$2,237/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,538/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,491
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,524
−HK$1,047/mo
Today · 4.125%
HK$40,571
baseline
▲ 0.50% · 4.625%
HK$42,710
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,142/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,519
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,811
−HK$1,312/mo
Today · 4.125%
HK$44,123
baseline
▲ 0.50% · 4.625%
HK$46,808
+HK$2,685/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,246/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,190
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,428
−HK$1,257/mo
Today · 4.125%
HK$48,685
baseline
▲ 0.50% · 4.625%
HK$51,251
+HK$2,566/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,370/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,439
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,946
−HK$1,531/mo
Today · 4.125%
HK$51,477
baseline
▲ 0.50% · 4.625%
HK$54,609
+HK$3,132/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,954/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,888
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,333
−HK$1,466/mo
Today · 4.125%
HK$56,799
baseline
▲ 0.50% · 4.625%
HK$59,793
+HK$2,994/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,598/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,279
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,216
−HK$1,968/mo
Today · 4.125%
HK$66,184
baseline
▲ 0.50% · 4.625%
HK$70,211
+HK$4,027/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,368/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,285
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,143
−HK$1,885/mo
Today · 4.125%
HK$73,028
baseline
▲ 0.50% · 4.625%
HK$76,877
+HK$3,849/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,056/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,005 · Scale 2, in force from 26 Feb 2026)