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$34,619
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,696
−HK$1,094/mo
Today · 4.125%
HK$36,790
baseline
▲ 0.50% · 4.625%
HK$39,029
+HK$2,239/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,580/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,514
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,547
−HK$1,048/mo
Today · 4.125%
HK$40,595
baseline
▲ 0.50% · 4.625%
HK$42,734
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,190/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,543
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,836
−HK$1,313/mo
Today · 4.125%
HK$44,149
baseline
▲ 0.50% · 4.625%
HK$46,835
+HK$2,686/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,298/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,217
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,456
−HK$1,258/mo
Today · 4.125%
HK$48,714
baseline
▲ 0.50% · 4.625%
HK$51,281
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,428/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,467
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,975
−HK$1,532/mo
Today · 4.125%
HK$51,507
baseline
▲ 0.50% · 4.625%
HK$54,641
+HK$3,134/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$103,014/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,919
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,365
−HK$1,467/mo
Today · 4.125%
HK$56,832
baseline
▲ 0.50% · 4.625%
HK$59,828
+HK$2,996/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$113,664/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,315
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,253
−HK$1,970/mo
Today · 4.125%
HK$66,223
baseline
▲ 0.50% · 4.625%
HK$70,252
+HK$4,029/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,446/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,325
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,184
−HK$1,886/mo
Today · 4.125%
HK$73,070
baseline
▲ 0.50% · 4.625%
HK$76,922
+HK$3,852/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,140/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,336 · Scale 2, in force from 26 Feb 2026)