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$34,648
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,726
−HK$1,095/mo
Today · 4.125%
HK$36,821
baseline
▲ 0.50% · 4.625%
HK$39,061
+HK$2,240/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,642/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,545
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,579
−HK$1,049/mo
Today · 4.125%
HK$40,628
baseline
▲ 0.50% · 4.625%
HK$42,769
+HK$2,141/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,256/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,577
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,871
−HK$1,314/mo
Today · 4.125%
HK$44,185
baseline
▲ 0.50% · 4.625%
HK$46,873
+HK$2,688/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,370/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,254
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,495
−HK$1,258/mo
Today · 4.125%
HK$48,753
baseline
▲ 0.50% · 4.625%
HK$51,323
+HK$2,570/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,506/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,507
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,016
−HK$1,533/mo
Today · 4.125%
HK$51,549
baseline
▲ 0.50% · 4.625%
HK$54,685
+HK$3,136/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,098/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,963
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,411
−HK$1,468/mo
Today · 4.125%
HK$56,879
baseline
▲ 0.50% · 4.625%
HK$59,877
+HK$2,998/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,758/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,366
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,306
−HK$1,971/mo
Today · 4.125%
HK$66,277
baseline
▲ 0.50% · 4.625%
HK$70,310
+HK$4,033/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,554/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,382
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,242
−HK$1,888/mo
Today · 4.125%
HK$73,130
baseline
▲ 0.50% · 4.625%
HK$76,985
+HK$3,855/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,260/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,802 · Scale 2, in force from 26 Feb 2026)