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$34,634
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,711
−HK$1,094/mo
Today · 4.125%
HK$36,805
baseline
▲ 0.50% · 4.625%
HK$39,045
+HK$2,240/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,610/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,530
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,563
−HK$1,048/mo
Today · 4.125%
HK$40,611
baseline
▲ 0.50% · 4.625%
HK$42,752
+HK$2,141/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,222/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,560
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,853
−HK$1,314/mo
Today · 4.125%
HK$44,167
baseline
▲ 0.50% · 4.625%
HK$46,854
+HK$2,687/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$88,334/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,235
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,475
−HK$1,258/mo
Today · 4.125%
HK$48,733
baseline
▲ 0.50% · 4.625%
HK$51,302
+HK$2,569/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$97,466/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,487
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$49,995
−HK$1,533/mo
Today · 4.125%
HK$51,528
baseline
▲ 0.50% · 4.625%
HK$54,663
+HK$3,135/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,056/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,941
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,388
−HK$1,468/mo
Today · 4.125%
HK$56,856
baseline
▲ 0.50% · 4.625%
HK$59,853
+HK$2,997/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,712/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,341
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,280
−HK$1,970/mo
Today · 4.125%
HK$66,250
baseline
▲ 0.50% · 4.625%
HK$70,281
+HK$4,031/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,500/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,353
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,213
−HK$1,887/mo
Today · 4.125%
HK$73,100
baseline
▲ 0.50% · 4.625%
HK$76,953
+HK$3,853/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,200/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,568 · Scale 2, in force from 26 Feb 2026)