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$34,641
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,718
−HK$1,095/mo
Today · 4.125%
HK$36,813
baseline
▲ 0.50% · 4.625%
HK$39,053
+HK$2,240/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,626/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,537
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,571
−HK$1,048/mo
Today · 4.125%
HK$40,619
baseline
▲ 0.50% · 4.625%
HK$42,760
+HK$2,141/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,238/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,569
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,862
−HK$1,313/mo
Today · 4.125%
HK$44,175
baseline
▲ 0.50% · 4.625%
HK$46,863
+HK$2,688/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$88,350/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,245
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,485
−HK$1,258/mo
Today · 4.125%
HK$48,743
baseline
▲ 0.50% · 4.625%
HK$51,312
+HK$2,569/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$97,486/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,497
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,005
−HK$1,533/mo
Today · 4.125%
HK$51,538
baseline
▲ 0.50% · 4.625%
HK$54,674
+HK$3,136/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,076/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,952
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,399
−HK$1,468/mo
Today · 4.125%
HK$56,867
baseline
▲ 0.50% · 4.625%
HK$59,865
+HK$2,998/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,734/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,353
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,292
−HK$1,971/mo
Today · 4.125%
HK$66,263
baseline
▲ 0.50% · 4.625%
HK$70,295
+HK$4,032/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,526/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,367
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,227
−HK$1,888/mo
Today · 4.125%
HK$73,115
baseline
▲ 0.50% · 4.625%
HK$76,969
+HK$3,854/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,230/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,682 · Scale 2, in force from 26 Feb 2026)