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$34,630
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,707
−HK$1,094/mo
Today · 4.125%
HK$36,801
baseline
▲ 0.50% · 4.625%
HK$39,041
+HK$2,240/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,602/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,525
−HK$2,082/mo
▼ 0.25% · 3.875%
HK$39,559
−HK$1,048/mo
Today · 4.125%
HK$40,607
baseline
▲ 0.50% · 4.625%
HK$42,747
+HK$2,140/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,214/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,556
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,848
−HK$1,314/mo
Today · 4.125%
HK$44,162
baseline
▲ 0.50% · 4.625%
HK$46,849
+HK$2,687/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,324/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,230
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,470
−HK$1,258/mo
Today · 4.125%
HK$48,728
baseline
▲ 0.50% · 4.625%
HK$51,297
+HK$2,569/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,456/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,482
−HK$3,040/mo
▼ 0.25% · 3.875%
HK$49,990
−HK$1,532/mo
Today · 4.125%
HK$51,522
baseline
▲ 0.50% · 4.625%
HK$54,657
+HK$3,135/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$103,044/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,935
−HK$2,914/mo
▼ 0.25% · 3.875%
HK$55,382
−HK$1,467/mo
Today · 4.125%
HK$56,849
baseline
▲ 0.50% · 4.625%
HK$59,846
+HK$2,997/mo
Deposit HK$4.56M · loan HK$10.63M · min. income ≈ HK$113,698/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,334
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,273
−HK$1,970/mo
Today · 4.125%
HK$66,243
baseline
▲ 0.50% · 4.625%
HK$70,273
+HK$4,030/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$132,486/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,346
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,205
−HK$1,887/mo
Today · 4.125%
HK$73,092
baseline
▲ 0.50% · 4.625%
HK$76,945
+HK$3,853/mo
Deposit HK$1.52M · loan HK$13.67M · min. income ≈ HK$146,184/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,506 · Scale 2, in force from 26 Feb 2026)