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$34,660
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,739
−HK$1,095/mo
Today · 4.125%
HK$36,834
baseline
▲ 0.50% · 4.625%
HK$39,075
+HK$2,241/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,668/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,559
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,593
−HK$1,050/mo
Today · 4.125%
HK$40,643
baseline
▲ 0.50% · 4.625%
HK$42,785
+HK$2,142/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,286/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,592
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,886
−HK$1,315/mo
Today · 4.125%
HK$44,201
baseline
▲ 0.50% · 4.625%
HK$46,890
+HK$2,689/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,402/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,271
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,512
−HK$1,259/mo
Today · 4.125%
HK$48,771
baseline
▲ 0.50% · 4.625%
HK$51,342
+HK$2,571/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,542/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,525
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,034
−HK$1,533/mo
Today · 4.125%
HK$51,567
baseline
▲ 0.50% · 4.625%
HK$54,705
+HK$3,138/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,134/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,983
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,431
−HK$1,469/mo
Today · 4.125%
HK$56,900
baseline
▲ 0.50% · 4.625%
HK$59,899
+HK$2,999/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,800/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,389
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,329
−HK$1,972/mo
Today · 4.125%
HK$66,301
baseline
▲ 0.50% · 4.625%
HK$70,335
+HK$4,034/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,602/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,407
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,268
−HK$1,889/mo
Today · 4.125%
HK$73,157
baseline
▲ 0.50% · 4.625%
HK$77,013
+HK$3,856/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,314/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,008 · Scale 2, in force from 26 Feb 2026)