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$34,676
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,755
−HK$1,095/mo
Today · 4.125%
HK$36,850
baseline
▲ 0.50% · 4.625%
HK$39,093
+HK$2,243/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,700/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,577
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,611
−HK$1,050/mo
Today · 4.125%
HK$40,661
baseline
▲ 0.50% · 4.625%
HK$42,804
+HK$2,143/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,322/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,611
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,905
−HK$1,316/mo
Today · 4.125%
HK$44,221
baseline
▲ 0.50% · 4.625%
HK$46,911
+HK$2,690/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,442/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,292
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,533
−HK$1,260/mo
Today · 4.125%
HK$48,793
baseline
▲ 0.50% · 4.625%
HK$51,365
+HK$2,572/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,586/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,546
−HK$3,045/mo
▼ 0.25% · 3.875%
HK$50,056
−HK$1,535/mo
Today · 4.125%
HK$51,591
baseline
▲ 0.50% · 4.625%
HK$54,730
+HK$3,139/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,182/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,007
−HK$2,918/mo
▼ 0.25% · 3.875%
HK$55,456
−HK$1,469/mo
Today · 4.125%
HK$56,925
baseline
▲ 0.50% · 4.625%
HK$59,926
+HK$3,001/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,850/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,417
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,358
−HK$1,973/mo
Today · 4.125%
HK$66,331
baseline
▲ 0.50% · 4.625%
HK$70,367
+HK$4,036/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$132,662/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,438
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,300
−HK$1,889/mo
Today · 4.125%
HK$73,189
baseline
▲ 0.50% · 4.625%
HK$77,047
+HK$3,858/mo
Deposit HK$1.52M · loan HK$13.69M · min. income ≈ HK$146,378/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,264 · Scale 2, in force from 26 Feb 2026)