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$34,653
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,731
−HK$1,095/mo
Today · 4.125%
HK$36,826
baseline
▲ 0.50% · 4.625%
HK$39,067
+HK$2,241/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,652/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,551
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,585
−HK$1,049/mo
Today · 4.125%
HK$40,634
baseline
▲ 0.50% · 4.625%
HK$42,776
+HK$2,142/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,268/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,584
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,877
−HK$1,315/mo
Today · 4.125%
HK$44,192
baseline
▲ 0.50% · 4.625%
HK$46,881
+HK$2,689/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,384/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,262
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,502
−HK$1,259/mo
Today · 4.125%
HK$48,761
baseline
▲ 0.50% · 4.625%
HK$51,331
+HK$2,570/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,522/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,515
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,024
−HK$1,533/mo
Today · 4.125%
HK$51,557
baseline
▲ 0.50% · 4.625%
HK$54,694
+HK$3,137/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,114/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,972
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,420
−HK$1,468/mo
Today · 4.125%
HK$56,888
baseline
▲ 0.50% · 4.625%
HK$59,887
+HK$2,999/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,776/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,376
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,316
−HK$1,971/mo
Today · 4.125%
HK$66,287
baseline
▲ 0.50% · 4.625%
HK$70,321
+HK$4,034/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,574/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,393
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,254
−HK$1,888/mo
Today · 4.125%
HK$73,142
baseline
▲ 0.50% · 4.625%
HK$76,997
+HK$3,855/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,284/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,892 · Scale 2, in force from 26 Feb 2026)