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$34,649
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,726
−HK$1,095/mo
Today · 4.125%
HK$36,821
baseline
▲ 0.50% · 4.625%
HK$39,062
+HK$2,241/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,642/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,546
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,580
−HK$1,049/mo
Today · 4.125%
HK$40,629
baseline
▲ 0.50% · 4.625%
HK$42,770
+HK$2,141/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,258/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,578
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,872
−HK$1,314/mo
Today · 4.125%
HK$44,186
baseline
▲ 0.50% · 4.625%
HK$46,874
+HK$2,688/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,372/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,255
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,496
−HK$1,259/mo
Today · 4.125%
HK$48,755
baseline
▲ 0.50% · 4.625%
HK$51,324
+HK$2,569/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,510/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,508
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,017
−HK$1,533/mo
Today · 4.125%
HK$51,550
baseline
▲ 0.50% · 4.625%
HK$54,687
+HK$3,137/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,100/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,965
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,412
−HK$1,468/mo
Today · 4.125%
HK$56,880
baseline
▲ 0.50% · 4.625%
HK$59,879
+HK$2,999/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,760/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,368
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,308
−HK$1,971/mo
Today · 4.125%
HK$66,279
baseline
▲ 0.50% · 4.625%
HK$70,311
+HK$4,032/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,558/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,383
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,244
−HK$1,888/mo
Today · 4.125%
HK$73,132
baseline
▲ 0.50% · 4.625%
HK$76,987
+HK$3,855/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,264/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,815 · Scale 2, in force from 26 Feb 2026)