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$34,660
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,738
−HK$1,095/mo
Today · 4.125%
HK$36,833
baseline
▲ 0.50% · 4.625%
HK$39,074
+HK$2,241/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,666/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,558
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,593
−HK$1,049/mo
Today · 4.125%
HK$40,642
baseline
▲ 0.50% · 4.625%
HK$42,784
+HK$2,142/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,284/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,592
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,885
−HK$1,315/mo
Today · 4.125%
HK$44,200
baseline
▲ 0.50% · 4.625%
HK$46,889
+HK$2,689/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,400/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,270
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,511
−HK$1,259/mo
Today · 4.125%
HK$48,770
baseline
▲ 0.50% · 4.625%
HK$51,341
+HK$2,571/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,540/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,523
−HK$3,043/mo
▼ 0.25% · 3.875%
HK$50,033
−HK$1,533/mo
Today · 4.125%
HK$51,566
baseline
▲ 0.50% · 4.625%
HK$54,704
+HK$3,138/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,132/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,982
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,430
−HK$1,468/mo
Today · 4.125%
HK$56,898
baseline
▲ 0.50% · 4.625%
HK$59,898
+HK$3,000/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,796/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,387
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,328
−HK$1,972/mo
Today · 4.125%
HK$66,300
baseline
▲ 0.50% · 4.625%
HK$70,334
+HK$4,034/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,600/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,405
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,267
−HK$1,888/mo
Today · 4.125%
HK$73,155
baseline
▲ 0.50% · 4.625%
HK$77,011
+HK$3,856/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,310/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,996 · Scale 2, in force from 26 Feb 2026)