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$34,627
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,704
−HK$1,095/mo
Today · 4.125%
HK$36,799
baseline
▲ 0.50% · 4.625%
HK$39,038
+HK$2,239/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,598/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,522
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,556
−HK$1,048/mo
Today · 4.125%
HK$40,604
baseline
▲ 0.50% · 4.625%
HK$42,744
+HK$2,140/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,208/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,553
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,845
−HK$1,313/mo
Today · 4.125%
HK$44,158
baseline
▲ 0.50% · 4.625%
HK$46,845
+HK$2,687/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,316/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,227
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,467
−HK$1,257/mo
Today · 4.125%
HK$48,724
baseline
▲ 0.50% · 4.625%
HK$51,293
+HK$2,569/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,448/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,478
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,986
−HK$1,532/mo
Today · 4.125%
HK$51,518
baseline
▲ 0.50% · 4.625%
HK$54,653
+HK$3,135/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,036/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,931
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,378
−HK$1,467/mo
Today · 4.125%
HK$56,845
baseline
▲ 0.50% · 4.625%
HK$59,842
+HK$2,997/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,690/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,329
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,268
−HK$1,970/mo
Today · 4.125%
HK$66,238
baseline
▲ 0.50% · 4.625%
HK$70,268
+HK$4,030/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,476/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,340
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,200
−HK$1,887/mo
Today · 4.125%
HK$73,087
baseline
▲ 0.50% · 4.625%
HK$76,939
+HK$3,852/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,174/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,463 · Scale 2, in force from 26 Feb 2026)