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$34,655
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,733
−HK$1,095/mo
Today · 4.125%
HK$36,828
baseline
▲ 0.50% · 4.625%
HK$39,069
+HK$2,241/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,656/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,553
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,587
−HK$1,049/mo
Today · 4.125%
HK$40,636
baseline
▲ 0.50% · 4.625%
HK$42,778
+HK$2,142/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,272/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,586
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,879
−HK$1,315/mo
Today · 4.125%
HK$44,194
baseline
▲ 0.50% · 4.625%
HK$46,883
+HK$2,689/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,388/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,264
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,505
−HK$1,258/mo
Today · 4.125%
HK$48,763
baseline
▲ 0.50% · 4.625%
HK$51,334
+HK$2,571/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,526/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,517
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,026
−HK$1,533/mo
Today · 4.125%
HK$51,559
baseline
▲ 0.50% · 4.625%
HK$54,697
+HK$3,138/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,118/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,975
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,422
−HK$1,469/mo
Today · 4.125%
HK$56,891
baseline
▲ 0.50% · 4.625%
HK$59,889
+HK$2,998/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,782/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,379
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,319
−HK$1,972/mo
Today · 4.125%
HK$66,291
baseline
▲ 0.50% · 4.625%
HK$70,324
+HK$4,033/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,582/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,396
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,257
−HK$1,888/mo
Today · 4.125%
HK$73,145
baseline
▲ 0.50% · 4.625%
HK$77,001
+HK$3,856/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,290/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,919 · Scale 2, in force from 26 Feb 2026)