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$34,617
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,694
−HK$1,094/mo
Today · 4.125%
HK$36,788
baseline
▲ 0.50% · 4.625%
HK$39,027
+HK$2,239/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,576/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,512
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,544
−HK$1,048/mo
Today · 4.125%
HK$40,592
baseline
▲ 0.50% · 4.625%
HK$42,732
+HK$2,140/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,184/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,541
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,833
−HK$1,313/mo
Today · 4.125%
HK$44,146
baseline
▲ 0.50% · 4.625%
HK$46,832
+HK$2,686/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,292/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,214
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,453
−HK$1,258/mo
Today · 4.125%
HK$48,711
baseline
▲ 0.50% · 4.625%
HK$51,278
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,422/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,464
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,972
−HK$1,532/mo
Today · 4.125%
HK$51,504
baseline
▲ 0.50% · 4.625%
HK$54,637
+HK$3,133/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$103,008/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,916
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,362
−HK$1,467/mo
Today · 4.125%
HK$56,829
baseline
▲ 0.50% · 4.625%
HK$59,825
+HK$2,996/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$113,658/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,311
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,250
−HK$1,969/mo
Today · 4.125%
HK$66,219
baseline
▲ 0.50% · 4.625%
HK$70,248
+HK$4,029/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,438/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,321
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,180
−HK$1,886/mo
Today · 4.125%
HK$73,066
baseline
▲ 0.50% · 4.625%
HK$76,917
+HK$3,851/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,132/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,303 · Scale 2, in force from 26 Feb 2026)