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$34,680
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,759
−HK$1,095/mo
Today · 4.125%
HK$36,854
baseline
▲ 0.50% · 4.625%
HK$39,097
+HK$2,243/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,708/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,581
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,616
−HK$1,049/mo
Today · 4.125%
HK$40,665
baseline
▲ 0.50% · 4.625%
HK$42,809
+HK$2,144/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,330/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,616
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,910
−HK$1,315/mo
Today · 4.125%
HK$44,225
baseline
▲ 0.50% · 4.625%
HK$46,916
+HK$2,691/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$88,450/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,297
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,539
−HK$1,259/mo
Today · 4.125%
HK$48,798
baseline
▲ 0.50% · 4.625%
HK$51,371
+HK$2,573/mo
Deposit HK$6.08M · loan HK$9.13M · min. income ≈ HK$97,596/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,552
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,062
−HK$1,534/mo
Today · 4.125%
HK$51,596
baseline
▲ 0.50% · 4.625%
HK$54,736
+HK$3,140/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,192/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,013
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,462
−HK$1,469/mo
Today · 4.125%
HK$56,931
baseline
▲ 0.50% · 4.625%
HK$59,932
+HK$3,001/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,862/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,424
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,365
−HK$1,973/mo
Today · 4.125%
HK$66,338
baseline
▲ 0.50% · 4.625%
HK$70,375
+HK$4,037/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,676/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,446
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,308
−HK$1,890/mo
Today · 4.125%
HK$73,198
baseline
▲ 0.50% · 4.625%
HK$77,056
+HK$3,858/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,396/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,327 · Scale 2, in force from 26 Feb 2026)