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$34,602
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,678
−HK$1,093/mo
Today · 4.125%
HK$36,771
baseline
▲ 0.50% · 4.625%
HK$39,009
+HK$2,238/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,542/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,494
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,526
−HK$1,048/mo
Today · 4.125%
HK$40,574
baseline
▲ 0.50% · 4.625%
HK$42,712
+HK$2,138/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,148/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,522
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,813
−HK$1,313/mo
Today · 4.125%
HK$44,126
baseline
▲ 0.50% · 4.625%
HK$46,811
+HK$2,685/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,252/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,193
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,431
−HK$1,257/mo
Today · 4.125%
HK$48,688
baseline
▲ 0.50% · 4.625%
HK$51,255
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,376/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,442
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,949
−HK$1,531/mo
Today · 4.125%
HK$51,480
baseline
▲ 0.50% · 4.625%
HK$54,612
+HK$3,132/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,960/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,891
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,337
−HK$1,466/mo
Today · 4.125%
HK$56,803
baseline
▲ 0.50% · 4.625%
HK$59,797
+HK$2,994/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,606/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,283
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,220
−HK$1,968/mo
Today · 4.125%
HK$66,188
baseline
▲ 0.50% · 4.625%
HK$70,216
+HK$4,028/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,376/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,289
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,147
−HK$1,885/mo
Today · 4.125%
HK$73,032
baseline
▲ 0.50% · 4.625%
HK$76,882
+HK$3,850/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,064/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,041 · Scale 2, in force from 26 Feb 2026)