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$34,669
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,747
−HK$1,096/mo
Today · 4.125%
HK$36,843
baseline
▲ 0.50% · 4.625%
HK$39,085
+HK$2,242/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,686/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,569
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,603
−HK$1,049/mo
Today · 4.125%
HK$40,652
baseline
▲ 0.50% · 4.625%
HK$42,795
+HK$2,143/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,304/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,602
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,897
−HK$1,314/mo
Today · 4.125%
HK$44,211
baseline
▲ 0.50% · 4.625%
HK$46,901
+HK$2,690/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,422/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,282
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,524
−HK$1,259/mo
Today · 4.125%
HK$48,783
baseline
▲ 0.50% · 4.625%
HK$51,354
+HK$2,571/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,566/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,536
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,046
−HK$1,534/mo
Today · 4.125%
HK$51,580
baseline
▲ 0.50% · 4.625%
HK$54,718
+HK$3,138/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,160/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,996
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,444
−HK$1,469/mo
Today · 4.125%
HK$56,913
baseline
▲ 0.50% · 4.625%
HK$59,913
+HK$3,000/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,826/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,404
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,345
−HK$1,972/mo
Today · 4.125%
HK$66,317
baseline
▲ 0.50% · 4.625%
HK$70,352
+HK$4,035/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,634/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,424
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,285
−HK$1,889/mo
Today · 4.125%
HK$73,174
baseline
▲ 0.50% · 4.625%
HK$77,031
+HK$3,857/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,348/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,146 · Scale 2, in force from 26 Feb 2026)