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$34,612
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,689
−HK$1,094/mo
Today · 4.125%
HK$36,783
baseline
▲ 0.50% · 4.625%
HK$39,021
+HK$2,238/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,566/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,506
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,539
−HK$1,047/mo
Today · 4.125%
HK$40,586
baseline
▲ 0.50% · 4.625%
HK$42,726
+HK$2,140/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,172/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,535
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,827
−HK$1,313/mo
Today · 4.125%
HK$44,140
baseline
▲ 0.50% · 4.625%
HK$46,825
+HK$2,685/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,280/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,207
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,446
−HK$1,258/mo
Today · 4.125%
HK$48,704
baseline
▲ 0.50% · 4.625%
HK$51,271
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,408/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,457
−HK$3,039/mo
▼ 0.25% · 3.875%
HK$49,965
−HK$1,531/mo
Today · 4.125%
HK$51,496
baseline
▲ 0.50% · 4.625%
HK$54,630
+HK$3,134/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$102,992/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,908
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,354
−HK$1,467/mo
Today · 4.125%
HK$56,821
baseline
▲ 0.50% · 4.625%
HK$59,816
+HK$2,995/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$113,642/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,302
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,240
−HK$1,969/mo
Today · 4.125%
HK$66,209
baseline
▲ 0.50% · 4.625%
HK$70,238
+HK$4,029/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,418/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,311
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,170
−HK$1,885/mo
Today · 4.125%
HK$73,055
baseline
▲ 0.50% · 4.625%
HK$76,906
+HK$3,851/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,110/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,220 · Scale 2, in force from 26 Feb 2026)