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$34,629
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,706
−HK$1,095/mo
Today · 4.125%
HK$36,801
baseline
▲ 0.50% · 4.625%
HK$39,040
+HK$2,239/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,602/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,525
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,558
−HK$1,048/mo
Today · 4.125%
HK$40,606
baseline
▲ 0.50% · 4.625%
HK$42,746
+HK$2,140/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,212/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,555
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,847
−HK$1,314/mo
Today · 4.125%
HK$44,161
baseline
▲ 0.50% · 4.625%
HK$46,848
+HK$2,687/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,322/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,229
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,469
−HK$1,258/mo
Today · 4.125%
HK$48,727
baseline
▲ 0.50% · 4.625%
HK$51,296
+HK$2,569/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,454/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,481
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,989
−HK$1,532/mo
Today · 4.125%
HK$51,521
baseline
▲ 0.50% · 4.625%
HK$54,656
+HK$3,135/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,042/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,934
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,381
−HK$1,467/mo
Today · 4.125%
HK$56,848
baseline
▲ 0.50% · 4.625%
HK$59,845
+HK$2,997/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,696/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,332
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,271
−HK$1,970/mo
Today · 4.125%
HK$66,241
baseline
▲ 0.50% · 4.625%
HK$70,272
+HK$4,031/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,482/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,344
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,204
−HK$1,887/mo
Today · 4.125%
HK$73,091
baseline
▲ 0.50% · 4.625%
HK$76,943
+HK$3,852/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,182/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,494 · Scale 2, in force from 26 Feb 2026)