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$34,674
−HK$2,175/mo
▼ 0.25% · 3.875%
HK$35,753
−HK$1,096/mo
Today · 4.125%
HK$36,849
baseline
▲ 0.50% · 4.625%
HK$39,091
+HK$2,242/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,698/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,575
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,610
−HK$1,049/mo
Today · 4.125%
HK$40,659
baseline
▲ 0.50% · 4.625%
HK$42,802
+HK$2,143/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,318/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,609
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,904
−HK$1,315/mo
Today · 4.125%
HK$44,219
baseline
▲ 0.50% · 4.625%
HK$46,909
+HK$2,690/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,438/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,290
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,531
−HK$1,260/mo
Today · 4.125%
HK$48,791
baseline
▲ 0.50% · 4.625%
HK$51,363
+HK$2,572/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,582/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,544
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,054
−HK$1,534/mo
Today · 4.125%
HK$51,588
baseline
▲ 0.50% · 4.625%
HK$54,727
+HK$3,139/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,176/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,005
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,453
−HK$1,470/mo
Today · 4.125%
HK$56,923
baseline
▲ 0.50% · 4.625%
HK$59,923
+HK$3,000/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,846/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,414
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,355
−HK$1,973/mo
Today · 4.125%
HK$66,328
baseline
▲ 0.50% · 4.625%
HK$70,364
+HK$4,036/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,656/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,435
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,297
−HK$1,889/mo
Today · 4.125%
HK$73,186
baseline
▲ 0.50% · 4.625%
HK$77,044
+HK$3,858/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,372/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,240 · Scale 2, in force from 26 Feb 2026)