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$34,664
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,743
−HK$1,095/mo
Today · 4.125%
HK$36,838
baseline
▲ 0.50% · 4.625%
HK$39,080
+HK$2,242/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,676/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,564
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,598
−HK$1,049/mo
Today · 4.125%
HK$40,647
baseline
▲ 0.50% · 4.625%
HK$42,790
+HK$2,143/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,294/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,597
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,891
−HK$1,315/mo
Today · 4.125%
HK$44,206
baseline
▲ 0.50% · 4.625%
HK$46,896
+HK$2,690/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,412/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,277
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,518
−HK$1,259/mo
Today · 4.125%
HK$48,777
baseline
▲ 0.50% · 4.625%
HK$51,348
+HK$2,571/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,554/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,530
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,040
−HK$1,534/mo
Today · 4.125%
HK$51,574
baseline
▲ 0.50% · 4.625%
HK$54,712
+HK$3,138/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,148/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,989
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,437
−HK$1,469/mo
Today · 4.125%
HK$56,906
baseline
▲ 0.50% · 4.625%
HK$59,906
+HK$3,000/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,812/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,396
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,337
−HK$1,972/mo
Today · 4.125%
HK$66,309
baseline
▲ 0.50% · 4.625%
HK$70,344
+HK$4,035/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,618/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,415
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,277
−HK$1,888/mo
Today · 4.125%
HK$73,165
baseline
▲ 0.50% · 4.625%
HK$77,022
+HK$3,857/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,330/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,076 · Scale 2, in force from 26 Feb 2026)