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$34,666
−HK$2,174/mo
▼ 0.25% · 3.875%
HK$35,744
−HK$1,096/mo
Today · 4.125%
HK$36,840
baseline
▲ 0.50% · 4.625%
HK$39,081
+HK$2,241/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,680/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,565
−HK$2,084/mo
▼ 0.25% · 3.875%
HK$39,600
−HK$1,049/mo
Today · 4.125%
HK$40,649
baseline
▲ 0.50% · 4.625%
HK$42,792
+HK$2,143/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,298/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$570,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,599
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,893
−HK$1,315/mo
Today · 4.125%
HK$44,208
baseline
▲ 0.50% · 4.625%
HK$46,898
+HK$2,690/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,416/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,279
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,520
−HK$1,259/mo
Today · 4.125%
HK$48,779
baseline
▲ 0.50% · 4.625%
HK$51,350
+HK$2,571/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,558/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$570,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,532
−HK$3,044/mo
▼ 0.25% · 3.875%
HK$50,042
−HK$1,534/mo
Today · 4.125%
HK$51,576
baseline
▲ 0.50% · 4.625%
HK$54,714
+HK$3,138/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,152/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,992
−HK$2,917/mo
▼ 0.25% · 3.875%
HK$55,440
−HK$1,469/mo
Today · 4.125%
HK$56,909
baseline
▲ 0.50% · 4.625%
HK$59,908
+HK$2,999/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,818/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$570,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,399
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,340
−HK$1,972/mo
Today · 4.125%
HK$66,312
baseline
▲ 0.50% · 4.625%
HK$70,346
+HK$4,034/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,624/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,418
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,280
−HK$1,888/mo
Today · 4.125%
HK$73,168
baseline
▲ 0.50% · 4.625%
HK$77,025
+HK$3,857/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,336/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$570,099 · Scale 2, in force from 26 Feb 2026)