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$34,659
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,737
−HK$1,095/mo
Today · 4.125%
HK$36,832
baseline
▲ 0.50% · 4.625%
HK$39,074
+HK$2,242/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,664/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,558
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,592
−HK$1,049/mo
Today · 4.125%
HK$40,641
baseline
▲ 0.50% · 4.625%
HK$42,783
+HK$2,142/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,282/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,591
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,885
−HK$1,314/mo
Today · 4.125%
HK$44,199
baseline
▲ 0.50% · 4.625%
HK$46,888
+HK$2,689/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,398/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,269
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,510
−HK$1,259/mo
Today · 4.125%
HK$48,769
baseline
▲ 0.50% · 4.625%
HK$51,340
+HK$2,571/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,538/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,523
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,032
−HK$1,533/mo
Today · 4.125%
HK$51,565
baseline
▲ 0.50% · 4.625%
HK$54,703
+HK$3,138/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,130/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,981
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,429
−HK$1,468/mo
Today · 4.125%
HK$56,897
baseline
▲ 0.50% · 4.625%
HK$59,896
+HK$2,999/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,794/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,386
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,327
−HK$1,971/mo
Today · 4.125%
HK$66,298
baseline
▲ 0.50% · 4.625%
HK$70,332
+HK$4,034/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,596/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,404
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,265
−HK$1,889/mo
Today · 4.125%
HK$73,154
baseline
▲ 0.50% · 4.625%
HK$77,010
+HK$3,856/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,308/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,986 · Scale 2, in force from 26 Feb 2026)