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$34,667
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,745
−HK$1,095/mo
Today · 4.125%
HK$36,840
baseline
▲ 0.50% · 4.625%
HK$39,082
+HK$2,242/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,680/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,566
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,601
−HK$1,049/mo
Today · 4.125%
HK$40,650
baseline
▲ 0.50% · 4.625%
HK$42,793
+HK$2,143/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,300/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,600
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,894
−HK$1,315/mo
Today · 4.125%
HK$44,209
baseline
▲ 0.50% · 4.625%
HK$46,899
+HK$2,690/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,418/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,279
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,521
−HK$1,259/mo
Today · 4.125%
HK$48,780
baseline
▲ 0.50% · 4.625%
HK$51,351
+HK$2,571/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,560/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,533
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,043
−HK$1,534/mo
Today · 4.125%
HK$51,577
baseline
▲ 0.50% · 4.625%
HK$54,715
+HK$3,138/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,154/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,993
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,441
−HK$1,469/mo
Today · 4.125%
HK$56,910
baseline
▲ 0.50% · 4.625%
HK$59,910
+HK$3,000/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,820/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,400
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,341
−HK$1,972/mo
Today · 4.125%
HK$66,313
baseline
▲ 0.50% · 4.625%
HK$70,348
+HK$4,035/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,626/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,419
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,281
−HK$1,889/mo
Today · 4.125%
HK$73,170
baseline
▲ 0.50% · 4.625%
HK$77,027
+HK$3,857/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,340/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,110 · Scale 2, in force from 26 Feb 2026)