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$34,606
−HK$2,171/mo
▼ 0.25% · 3.875%
HK$35,683
−HK$1,094/mo
Today · 4.125%
HK$36,777
baseline
▲ 0.50% · 4.625%
HK$39,014
+HK$2,237/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,554/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,499
−HK$2,080/mo
▼ 0.25% · 3.875%
HK$39,532
−HK$1,047/mo
Today · 4.125%
HK$40,579
baseline
▲ 0.50% · 4.625%
HK$42,718
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,158/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$569,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,528
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,820
−HK$1,312/mo
Today · 4.125%
HK$44,132
baseline
▲ 0.50% · 4.625%
HK$46,817
+HK$2,685/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$88,264/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,199
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,438
−HK$1,257/mo
Today · 4.125%
HK$48,695
baseline
▲ 0.50% · 4.625%
HK$51,262
+HK$2,567/mo
Deposit HK$6.07M · loan HK$9.11M · min. income ≈ HK$97,390/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$569,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,449
−HK$3,038/mo
▼ 0.25% · 3.875%
HK$49,956
−HK$1,531/mo
Today · 4.125%
HK$51,487
baseline
▲ 0.50% · 4.625%
HK$54,620
+HK$3,133/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,974/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,899
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,345
−HK$1,466/mo
Today · 4.125%
HK$56,811
baseline
▲ 0.50% · 4.625%
HK$59,806
+HK$2,995/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,622/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$569,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,292
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,229
−HK$1,969/mo
Today · 4.125%
HK$66,198
baseline
▲ 0.50% · 4.625%
HK$70,226
+HK$4,028/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,396/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,299
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,157
−HK$1,886/mo
Today · 4.125%
HK$73,043
baseline
▲ 0.50% · 4.625%
HK$76,893
+HK$3,850/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,086/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,122 · Scale 2, in force from 26 Feb 2026)