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$34,614
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,691
−HK$1,093/mo
Today · 4.125%
HK$36,784
baseline
▲ 0.50% · 4.625%
HK$39,023
+HK$2,239/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,568/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,508
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,540
−HK$1,048/mo
Today · 4.125%
HK$40,588
baseline
▲ 0.50% · 4.625%
HK$42,727
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,176/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,537
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,829
−HK$1,312/mo
Today · 4.125%
HK$44,141
baseline
▲ 0.50% · 4.625%
HK$46,827
+HK$2,686/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,282/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,209
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,448
−HK$1,258/mo
Today · 4.125%
HK$48,706
baseline
▲ 0.50% · 4.625%
HK$51,273
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,412/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,459
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,967
−HK$1,531/mo
Today · 4.125%
HK$51,498
baseline
▲ 0.50% · 4.625%
HK$54,632
+HK$3,134/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$102,996/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,911
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,356
−HK$1,467/mo
Today · 4.125%
HK$56,823
baseline
▲ 0.50% · 4.625%
HK$59,818
+HK$2,995/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$113,646/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,305
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,243
−HK$1,969/mo
Today · 4.125%
HK$66,212
baseline
▲ 0.50% · 4.625%
HK$70,241
+HK$4,029/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,424/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,314
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,173
−HK$1,885/mo
Today · 4.125%
HK$73,058
baseline
▲ 0.50% · 4.625%
HK$76,909
+HK$3,851/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,116/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,243 · Scale 2, in force from 26 Feb 2026)