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$34,600
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,676
−HK$1,094/mo
Today · 4.125%
HK$36,770
baseline
▲ 0.50% · 4.625%
HK$39,007
+HK$2,237/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,540/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,492
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,525
−HK$1,047/mo
Today · 4.125%
HK$40,572
baseline
▲ 0.50% · 4.625%
HK$42,711
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,144/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,520
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,812
−HK$1,312/mo
Today · 4.125%
HK$44,124
baseline
▲ 0.50% · 4.625%
HK$46,809
+HK$2,685/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,248/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,191
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,430
−HK$1,256/mo
Today · 4.125%
HK$48,686
baseline
▲ 0.50% · 4.625%
HK$51,253
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,372/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,440
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,947
−HK$1,531/mo
Today · 4.125%
HK$51,478
baseline
▲ 0.50% · 4.625%
HK$54,610
+HK$3,132/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,956/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,889
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,335
−HK$1,466/mo
Today · 4.125%
HK$56,801
baseline
▲ 0.50% · 4.625%
HK$59,795
+HK$2,994/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,602/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,280
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,218
−HK$1,968/mo
Today · 4.125%
HK$66,186
baseline
▲ 0.50% · 4.625%
HK$70,213
+HK$4,027/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,372/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,286
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,144
−HK$1,886/mo
Today · 4.125%
HK$73,030
baseline
▲ 0.50% · 4.625%
HK$76,879
+HK$3,849/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,060/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,018 · Scale 2, in force from 26 Feb 2026)