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$569,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,492
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,524
−HK$1,048/mo
Today · 4.125%
HK$40,572
baseline
▲ 0.50% · 4.625%
HK$42,710
+HK$2,138/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$569,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,520
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,811
−HK$1,312/mo
Today · 4.125%
HK$44,123
baseline
▲ 0.50% · 4.625%
HK$46,808
+HK$2,685/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,246/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,190
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,429
−HK$1,257/mo
Today · 4.125%
HK$48,686
baseline
▲ 0.50% · 4.625%
HK$51,252
+HK$2,566/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$569,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,440
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,947
−HK$1,530/mo
Today · 4.125%
HK$51,477
baseline
▲ 0.50% · 4.625%
HK$54,610
+HK$3,133/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,954/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,889
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,334
−HK$1,466/mo
Today · 4.125%
HK$56,800
baseline
▲ 0.50% · 4.625%
HK$59,794
+HK$2,994/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,600/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,280
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,217
−HK$1,968/mo
Today · 4.125%
HK$66,185
baseline
▲ 0.50% · 4.625%
HK$70,212
+HK$4,027/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,370/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,286
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,144
−HK$1,885/mo
Today · 4.125%
HK$73,029
baseline
▲ 0.50% · 4.625%
HK$76,878
+HK$3,849/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,058/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,013 · Scale 2, in force from 26 Feb 2026)