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$34,629
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,706
−HK$1,094/mo
Today · 4.125%
HK$36,800
baseline
▲ 0.50% · 4.625%
HK$39,039
+HK$2,239/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,600/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,524
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,557
−HK$1,048/mo
Today · 4.125%
HK$40,605
baseline
▲ 0.50% · 4.625%
HK$42,746
+HK$2,141/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,210/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,554
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,847
−HK$1,313/mo
Today · 4.125%
HK$44,160
baseline
▲ 0.50% · 4.625%
HK$46,847
+HK$2,687/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,320/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,229
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,469
−HK$1,257/mo
Today · 4.125%
HK$48,726
baseline
▲ 0.50% · 4.625%
HK$51,295
+HK$2,569/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,452/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,480
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,988
−HK$1,532/mo
Today · 4.125%
HK$51,520
baseline
▲ 0.50% · 4.625%
HK$54,655
+HK$3,135/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,040/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,934
−HK$2,913/mo
▼ 0.25% · 3.875%
HK$55,380
−HK$1,467/mo
Today · 4.125%
HK$56,847
baseline
▲ 0.50% · 4.625%
HK$59,844
+HK$2,997/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,694/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,331
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,270
−HK$1,970/mo
Today · 4.125%
HK$66,240
baseline
▲ 0.50% · 4.625%
HK$70,271
+HK$4,031/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,480/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,343
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,203
−HK$1,887/mo
Today · 4.125%
HK$73,090
baseline
▲ 0.50% · 4.625%
HK$76,942
+HK$3,852/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,180/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,486 · Scale 2, in force from 26 Feb 2026)