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$34,679
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,757
−HK$1,096/mo
Today · 4.125%
HK$36,853
baseline
▲ 0.50% · 4.625%
HK$39,096
+HK$2,243/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,706/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,580
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,614
−HK$1,050/mo
Today · 4.125%
HK$40,664
baseline
▲ 0.50% · 4.625%
HK$42,808
+HK$2,144/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,328/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,615
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,909
−HK$1,315/mo
Today · 4.125%
HK$44,224
baseline
▲ 0.50% · 4.625%
HK$46,915
+HK$2,691/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,448/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,296
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,537
−HK$1,260/mo
Today · 4.125%
HK$48,797
baseline
▲ 0.50% · 4.625%
HK$51,369
+HK$2,572/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,594/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,550
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,060
−HK$1,535/mo
Today · 4.125%
HK$51,595
baseline
▲ 0.50% · 4.625%
HK$54,734
+HK$3,139/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$103,190/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,012
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,460
−HK$1,470/mo
Today · 4.125%
HK$56,930
baseline
▲ 0.50% · 4.625%
HK$59,931
+HK$3,001/mo
Deposit HK$4.56M · loan HK$10.65M · min. income ≈ HK$113,860/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,422
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,363
−HK$1,973/mo
Today · 4.125%
HK$66,336
baseline
▲ 0.50% · 4.625%
HK$70,373
+HK$4,037/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,672/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,444
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,306
−HK$1,889/mo
Today · 4.125%
HK$73,195
baseline
▲ 0.50% · 4.625%
HK$77,054
+HK$3,859/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,390/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,311 · Scale 2, in force from 26 Feb 2026)