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$34,621
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,697
−HK$1,095/mo
Today · 4.125%
HK$36,792
baseline
▲ 0.50% · 4.625%
HK$39,030
+HK$2,238/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,584/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,515
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,548
−HK$1,048/mo
Today · 4.125%
HK$40,596
baseline
▲ 0.50% · 4.625%
HK$42,736
+HK$2,140/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,192/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,545
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,837
−HK$1,313/mo
Today · 4.125%
HK$44,150
baseline
▲ 0.50% · 4.625%
HK$46,836
+HK$2,686/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,300/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,218
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,457
−HK$1,258/mo
Today · 4.125%
HK$48,715
baseline
▲ 0.50% · 4.625%
HK$51,283
+HK$2,568/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,430/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,469
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,976
−HK$1,532/mo
Today · 4.125%
HK$51,508
baseline
▲ 0.50% · 4.625%
HK$54,642
+HK$3,134/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$103,016/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,921
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,367
−HK$1,467/mo
Today · 4.125%
HK$56,834
baseline
▲ 0.50% · 4.625%
HK$59,830
+HK$2,996/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$113,668/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,317
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,255
−HK$1,970/mo
Today · 4.125%
HK$66,225
baseline
▲ 0.50% · 4.625%
HK$70,254
+HK$4,029/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,450/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,327
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,186
−HK$1,886/mo
Today · 4.125%
HK$73,072
baseline
▲ 0.50% · 4.625%
HK$76,924
+HK$3,852/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,144/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,353 · Scale 2, in force from 26 Feb 2026)