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$34,644
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,722
−HK$1,095/mo
Today · 4.125%
HK$36,817
baseline
▲ 0.50% · 4.625%
HK$39,057
+HK$2,240/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,634/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,541
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,575
−HK$1,049/mo
Today · 4.125%
HK$40,624
baseline
▲ 0.50% · 4.625%
HK$42,765
+HK$2,141/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,248/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,573
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,866
−HK$1,314/mo
Today · 4.125%
HK$44,180
baseline
▲ 0.50% · 4.625%
HK$46,868
+HK$2,688/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,360/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,250
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,490
−HK$1,258/mo
Today · 4.125%
HK$48,748
baseline
▲ 0.50% · 4.625%
HK$51,318
+HK$2,570/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,496/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,502
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,011
−HK$1,532/mo
Today · 4.125%
HK$51,543
baseline
▲ 0.50% · 4.625%
HK$54,680
+HK$3,137/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,086/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,958
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,405
−HK$1,468/mo
Today · 4.125%
HK$56,873
baseline
▲ 0.50% · 4.625%
HK$59,871
+HK$2,998/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,746/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,360
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,299
−HK$1,971/mo
Today · 4.125%
HK$66,270
baseline
▲ 0.50% · 4.625%
HK$70,302
+HK$4,032/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,540/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,374
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,235
−HK$1,887/mo
Today · 4.125%
HK$73,122
baseline
▲ 0.50% · 4.625%
HK$76,977
+HK$3,855/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,244/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,742 · Scale 2, in force from 26 Feb 2026)