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$34,634
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,712
−HK$1,094/mo
Today · 4.125%
HK$36,806
baseline
▲ 0.50% · 4.625%
HK$39,046
+HK$2,240/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,612/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,530
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,564
−HK$1,048/mo
Today · 4.125%
HK$40,612
baseline
▲ 0.50% · 4.625%
HK$42,753
+HK$2,141/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,224/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,561
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,854
−HK$1,314/mo
Today · 4.125%
HK$44,168
baseline
▲ 0.50% · 4.625%
HK$46,855
+HK$2,687/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$88,336/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,237
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,477
−HK$1,258/mo
Today · 4.125%
HK$48,735
baseline
▲ 0.50% · 4.625%
HK$51,303
+HK$2,568/mo
Deposit HK$6.08M · loan HK$9.11M · min. income ≈ HK$97,470/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,488
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$49,996
−HK$1,533/mo
Today · 4.125%
HK$51,529
baseline
▲ 0.50% · 4.625%
HK$54,664
+HK$3,135/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,058/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,943
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,389
−HK$1,468/mo
Today · 4.125%
HK$56,857
baseline
▲ 0.50% · 4.625%
HK$59,854
+HK$2,997/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,714/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,342
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,281
−HK$1,970/mo
Today · 4.125%
HK$66,251
baseline
▲ 0.50% · 4.625%
HK$70,283
+HK$4,032/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,502/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,355
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,215
−HK$1,887/mo
Today · 4.125%
HK$73,102
baseline
▲ 0.50% · 4.625%
HK$76,955
+HK$3,853/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,204/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,582 · Scale 2, in force from 26 Feb 2026)