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$34,622
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,699
−HK$1,094/mo
Today · 4.125%
HK$36,793
baseline
▲ 0.50% · 4.625%
HK$39,032
+HK$2,239/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,586/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,516
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,549
−HK$1,048/mo
Today · 4.125%
HK$40,597
baseline
▲ 0.50% · 4.625%
HK$42,737
+HK$2,140/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,194/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,546
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,838
−HK$1,313/mo
Today · 4.125%
HK$44,151
baseline
▲ 0.50% · 4.625%
HK$46,838
+HK$2,687/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,302/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,220
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,459
−HK$1,258/mo
Today · 4.125%
HK$48,717
baseline
▲ 0.50% · 4.625%
HK$51,285
+HK$2,568/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,434/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,470
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,978
−HK$1,532/mo
Today · 4.125%
HK$51,510
baseline
▲ 0.50% · 4.625%
HK$54,644
+HK$3,134/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$103,020/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,923
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,369
−HK$1,467/mo
Today · 4.125%
HK$56,836
baseline
▲ 0.50% · 4.625%
HK$59,832
+HK$2,996/mo
Deposit HK$4.55M · loan HK$10.63M · min. income ≈ HK$113,672/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,319
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,258
−HK$1,969/mo
Today · 4.125%
HK$66,227
baseline
▲ 0.50% · 4.625%
HK$70,257
+HK$4,030/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,454/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,329
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,189
−HK$1,886/mo
Today · 4.125%
HK$73,075
baseline
▲ 0.50% · 4.625%
HK$76,927
+HK$3,852/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,150/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,372 · Scale 2, in force from 26 Feb 2026)