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$34,670
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,749
−HK$1,095/mo
Today · 4.125%
HK$36,844
baseline
▲ 0.50% · 4.625%
HK$39,086
+HK$2,242/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,688/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,570
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,605
−HK$1,049/mo
Today · 4.125%
HK$40,654
baseline
▲ 0.50% · 4.625%
HK$42,797
+HK$2,143/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,308/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,604
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,899
−HK$1,314/mo
Today · 4.125%
HK$44,213
baseline
▲ 0.50% · 4.625%
HK$46,904
+HK$2,691/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,426/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,284
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,526
−HK$1,259/mo
Today · 4.125%
HK$48,785
baseline
▲ 0.50% · 4.625%
HK$51,357
+HK$2,572/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,570/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,538
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,048
−HK$1,534/mo
Today · 4.125%
HK$51,582
baseline
▲ 0.50% · 4.625%
HK$54,721
+HK$3,139/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,164/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,999
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,447
−HK$1,469/mo
Today · 4.125%
HK$56,916
baseline
▲ 0.50% · 4.625%
HK$59,916
+HK$3,000/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,832/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,407
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,348
−HK$1,972/mo
Today · 4.125%
HK$66,320
baseline
▲ 0.50% · 4.625%
HK$70,355
+HK$4,035/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,640/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,427
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,289
−HK$1,889/mo
Today · 4.125%
HK$73,178
baseline
▲ 0.50% · 4.625%
HK$77,035
+HK$3,857/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,356/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,172 · Scale 2, in force from 26 Feb 2026)