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$34,639
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,717
−HK$1,095/mo
Today · 4.125%
HK$36,812
baseline
▲ 0.50% · 4.625%
HK$39,052
+HK$2,240/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,624/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,536
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,570
−HK$1,048/mo
Today · 4.125%
HK$40,618
baseline
▲ 0.50% · 4.625%
HK$42,759
+HK$2,141/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,236/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,567
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,860
−HK$1,314/mo
Today · 4.125%
HK$44,174
baseline
▲ 0.50% · 4.625%
HK$46,862
+HK$2,688/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$88,348/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,243
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,483
−HK$1,259/mo
Today · 4.125%
HK$48,742
baseline
▲ 0.50% · 4.625%
HK$51,311
+HK$2,569/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$97,484/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,495
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,004
−HK$1,532/mo
Today · 4.125%
HK$51,536
baseline
▲ 0.50% · 4.625%
HK$54,672
+HK$3,136/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,072/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,950
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,397
−HK$1,468/mo
Today · 4.125%
HK$56,865
baseline
▲ 0.50% · 4.625%
HK$59,863
+HK$2,998/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,730/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,351
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,290
−HK$1,971/mo
Today · 4.125%
HK$66,261
baseline
▲ 0.50% · 4.625%
HK$70,293
+HK$4,032/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,522/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,365
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,225
−HK$1,887/mo
Today · 4.125%
HK$73,112
baseline
▲ 0.50% · 4.625%
HK$76,966
+HK$3,854/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,224/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,664 · Scale 2, in force from 26 Feb 2026)