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$34,646
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,723
−HK$1,095/mo
Today · 4.125%
HK$36,818
baseline
▲ 0.50% · 4.625%
HK$39,059
+HK$2,241/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,636/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,543
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,577
−HK$1,048/mo
Today · 4.125%
HK$40,625
baseline
▲ 0.50% · 4.625%
HK$42,767
+HK$2,142/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,250/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,575
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,868
−HK$1,314/mo
Today · 4.125%
HK$44,182
baseline
▲ 0.50% · 4.625%
HK$46,870
+HK$2,688/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,364/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,252
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,492
−HK$1,259/mo
Today · 4.125%
HK$48,751
baseline
▲ 0.50% · 4.625%
HK$51,320
+HK$2,569/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,502/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,504
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,013
−HK$1,533/mo
Today · 4.125%
HK$51,546
baseline
▲ 0.50% · 4.625%
HK$54,682
+HK$3,136/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,092/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,960
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,407
−HK$1,469/mo
Today · 4.125%
HK$56,876
baseline
▲ 0.50% · 4.625%
HK$59,874
+HK$2,998/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,752/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,362
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,302
−HK$1,971/mo
Today · 4.125%
HK$66,273
baseline
▲ 0.50% · 4.625%
HK$70,306
+HK$4,033/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,546/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,378
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,238
−HK$1,888/mo
Today · 4.125%
HK$73,126
baseline
▲ 0.50% · 4.625%
HK$76,980
+HK$3,854/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,252/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,768 · Scale 2, in force from 26 Feb 2026)