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$34,608
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,685
−HK$1,094/mo
Today · 4.125%
HK$36,779
baseline
▲ 0.50% · 4.625%
HK$39,016
+HK$2,237/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,558/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,501
−HK$2,081/mo
▼ 0.25% · 3.875%
HK$39,534
−HK$1,048/mo
Today · 4.125%
HK$40,582
baseline
▲ 0.50% · 4.625%
HK$42,721
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,164/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,530
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,822
−HK$1,312/mo
Today · 4.125%
HK$44,134
baseline
▲ 0.50% · 4.625%
HK$46,820
+HK$2,686/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,268/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,202
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,441
−HK$1,257/mo
Today · 4.125%
HK$48,698
baseline
▲ 0.50% · 4.625%
HK$51,265
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,396/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,452
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,959
−HK$1,531/mo
Today · 4.125%
HK$51,490
baseline
▲ 0.50% · 4.625%
HK$54,623
+HK$3,133/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,980/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,902
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,348
−HK$1,466/mo
Today · 4.125%
HK$56,814
baseline
▲ 0.50% · 4.625%
HK$59,809
+HK$2,995/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,628/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,295
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,233
−HK$1,968/mo
Today · 4.125%
HK$66,201
baseline
▲ 0.50% · 4.625%
HK$70,230
+HK$4,029/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,402/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,303
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,161
−HK$1,886/mo
Today · 4.125%
HK$73,047
baseline
▲ 0.50% · 4.625%
HK$76,897
+HK$3,850/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,094/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,152 · Scale 2, in force from 26 Feb 2026)