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$34,625
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,702
−HK$1,094/mo
Today · 4.125%
HK$36,796
baseline
▲ 0.50% · 4.625%
HK$39,035
+HK$2,239/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,592/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,520
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,553
−HK$1,048/mo
Today · 4.125%
HK$40,601
baseline
▲ 0.50% · 4.625%
HK$42,741
+HK$2,140/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,202/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,550
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,843
−HK$1,313/mo
Today · 4.125%
HK$44,156
baseline
▲ 0.50% · 4.625%
HK$46,842
+HK$2,686/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,312/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,224
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,464
−HK$1,257/mo
Today · 4.125%
HK$48,721
baseline
▲ 0.50% · 4.625%
HK$51,290
+HK$2,569/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,442/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,475
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,983
−HK$1,532/mo
Today · 4.125%
HK$51,515
baseline
▲ 0.50% · 4.625%
HK$54,650
+HK$3,135/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,030/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,928
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,374
−HK$1,468/mo
Today · 4.125%
HK$56,842
baseline
▲ 0.50% · 4.625%
HK$59,838
+HK$2,996/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,684/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,325
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,264
−HK$1,970/mo
Today · 4.125%
HK$66,234
baseline
▲ 0.50% · 4.625%
HK$70,264
+HK$4,030/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,468/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,336
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,196
−HK$1,886/mo
Today · 4.125%
HK$73,082
baseline
▲ 0.50% · 4.625%
HK$76,934
+HK$3,852/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,164/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,429 · Scale 2, in force from 26 Feb 2026)