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$34,636
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,713
−HK$1,095/mo
Today · 4.125%
HK$36,808
baseline
▲ 0.50% · 4.625%
HK$39,047
+HK$2,239/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,616/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,532
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,565
−HK$1,049/mo
Today · 4.125%
HK$40,614
baseline
▲ 0.50% · 4.625%
HK$42,754
+HK$2,140/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,228/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,563
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,856
−HK$1,313/mo
Today · 4.125%
HK$44,169
baseline
▲ 0.50% · 4.625%
HK$46,857
+HK$2,688/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$88,338/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,238
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,478
−HK$1,258/mo
Today · 4.125%
HK$48,736
baseline
▲ 0.50% · 4.625%
HK$51,305
+HK$2,569/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$97,472/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,490
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$49,998
−HK$1,533/mo
Today · 4.125%
HK$51,531
baseline
▲ 0.50% · 4.625%
HK$54,666
+HK$3,135/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,062/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,945
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,391
−HK$1,468/mo
Today · 4.125%
HK$56,859
baseline
▲ 0.50% · 4.625%
HK$59,856
+HK$2,997/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,718/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,344
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,283
−HK$1,971/mo
Today · 4.125%
HK$66,254
baseline
▲ 0.50% · 4.625%
HK$70,285
+HK$4,031/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,508/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,357
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,217
−HK$1,887/mo
Today · 4.125%
HK$73,104
baseline
▲ 0.50% · 4.625%
HK$76,958
+HK$3,854/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,208/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,601 · Scale 2, in force from 26 Feb 2026)