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$34,638
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,716
−HK$1,094/mo
Today · 4.125%
HK$36,810
baseline
▲ 0.50% · 4.625%
HK$39,050
+HK$2,240/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,620/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,535
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,568
−HK$1,049/mo
Today · 4.125%
HK$40,617
baseline
▲ 0.50% · 4.625%
HK$42,758
+HK$2,141/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,234/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,566
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,859
−HK$1,314/mo
Today · 4.125%
HK$44,173
baseline
▲ 0.50% · 4.625%
HK$46,860
+HK$2,687/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$88,346/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,242
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,482
−HK$1,258/mo
Today · 4.125%
HK$48,740
baseline
▲ 0.50% · 4.625%
HK$51,309
+HK$2,569/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$97,480/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,494
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,002
−HK$1,533/mo
Today · 4.125%
HK$51,535
baseline
▲ 0.50% · 4.625%
HK$54,670
+HK$3,135/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,070/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,949
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,396
−HK$1,467/mo
Today · 4.125%
HK$56,863
baseline
▲ 0.50% · 4.625%
HK$59,861
+HK$2,998/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,726/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,349
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,288
−HK$1,971/mo
Today · 4.125%
HK$66,259
baseline
▲ 0.50% · 4.625%
HK$70,290
+HK$4,031/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,518/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,363
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,223
−HK$1,887/mo
Today · 4.125%
HK$73,110
baseline
▲ 0.50% · 4.625%
HK$76,964
+HK$3,854/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,220/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,646 · Scale 2, in force from 26 Feb 2026)