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$34,607
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,683
−HK$1,094/mo
Today · 4.125%
HK$36,777
baseline
▲ 0.50% · 4.625%
HK$39,015
+HK$2,238/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,554/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,500
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,532
−HK$1,048/mo
Today · 4.125%
HK$40,580
baseline
▲ 0.50% · 4.625%
HK$42,719
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,160/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,528
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,820
−HK$1,312/mo
Today · 4.125%
HK$44,132
baseline
▲ 0.50% · 4.625%
HK$46,818
+HK$2,686/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,264/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,200
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,439
−HK$1,257/mo
Today · 4.125%
HK$48,696
baseline
▲ 0.50% · 4.625%
HK$51,263
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,392/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,450
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,957
−HK$1,531/mo
Today · 4.125%
HK$51,488
baseline
▲ 0.50% · 4.625%
HK$54,621
+HK$3,133/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,976/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,900
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,345
−HK$1,467/mo
Today · 4.125%
HK$56,812
baseline
▲ 0.50% · 4.625%
HK$59,806
+HK$2,994/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,624/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,292
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,230
−HK$1,969/mo
Today · 4.125%
HK$66,199
baseline
▲ 0.50% · 4.625%
HK$70,227
+HK$4,028/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,398/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,300
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,158
−HK$1,886/mo
Today · 4.125%
HK$73,044
baseline
▲ 0.50% · 4.625%
HK$76,894
+HK$3,850/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,088/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,129 · Scale 2, in force from 26 Feb 2026)