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$34,644
−HK$2,172/mo
▼ 0.25% · 3.875%
HK$35,721
−HK$1,095/mo
Today · 4.125%
HK$36,816
baseline
▲ 0.50% · 4.625%
HK$39,056
+HK$2,240/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,632/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,541
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,574
−HK$1,049/mo
Today · 4.125%
HK$40,623
baseline
▲ 0.50% · 4.625%
HK$42,764
+HK$2,141/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,246/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,572
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,866
−HK$1,313/mo
Today · 4.125%
HK$44,179
baseline
▲ 0.50% · 4.625%
HK$46,868
+HK$2,689/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,358/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,249
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,489
−HK$1,259/mo
Today · 4.125%
HK$48,748
baseline
▲ 0.50% · 4.625%
HK$51,317
+HK$2,569/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,496/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,501
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,010
−HK$1,533/mo
Today · 4.125%
HK$51,543
baseline
▲ 0.50% · 4.625%
HK$54,679
+HK$3,136/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,086/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,957
−HK$2,915/mo
▼ 0.25% · 3.875%
HK$55,404
−HK$1,468/mo
Today · 4.125%
HK$56,872
baseline
▲ 0.50% · 4.625%
HK$59,870
+HK$2,998/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,744/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,359
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,298
−HK$1,971/mo
Today · 4.125%
HK$66,269
baseline
▲ 0.50% · 4.625%
HK$70,301
+HK$4,032/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,538/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,373
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,234
−HK$1,887/mo
Today · 4.125%
HK$73,121
baseline
▲ 0.50% · 4.625%
HK$76,976
+HK$3,855/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,242/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,734 · Scale 2, in force from 26 Feb 2026)