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$34,652
−HK$2,173/mo
▼ 0.25% · 3.875%
HK$35,730
−HK$1,095/mo
Today · 4.125%
HK$36,825
baseline
▲ 0.50% · 4.625%
HK$39,065
+HK$2,240/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$73,650/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,550
−HK$2,083/mo
▼ 0.25% · 3.875%
HK$39,584
−HK$1,049/mo
Today · 4.125%
HK$40,633
baseline
▲ 0.50% · 4.625%
HK$42,774
+HK$2,141/mo
Deposit HK$7.60M · loan HK$7.60M · min. income ≈ HK$81,266/mo (50% DSR)
Upfront cash ≈ HK$8.17M (deposit + AVD stamp duty HK$569,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,582
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,876
−HK$1,314/mo
Today · 4.125%
HK$44,190
baseline
▲ 0.50% · 4.625%
HK$46,879
+HK$2,689/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$88,380/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,260
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,500
−HK$1,259/mo
Today · 4.125%
HK$48,759
baseline
▲ 0.50% · 4.625%
HK$51,329
+HK$2,570/mo
Deposit HK$6.08M · loan HK$9.12M · min. income ≈ HK$97,518/mo (50% DSR)
Upfront cash ≈ HK$6.65M (deposit + AVD stamp duty HK$569,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,513
−HK$3,042/mo
▼ 0.25% · 3.875%
HK$50,022
−HK$1,533/mo
Today · 4.125%
HK$51,555
baseline
▲ 0.50% · 4.625%
HK$54,692
+HK$3,137/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$103,110/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,970
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,417
−HK$1,469/mo
Today · 4.125%
HK$56,886
baseline
▲ 0.50% · 4.625%
HK$59,884
+HK$2,998/mo
Deposit HK$4.56M · loan HK$10.64M · min. income ≈ HK$113,772/mo (50% DSR)
Upfront cash ≈ HK$5.13M (deposit + AVD stamp duty HK$569,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,373
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,313
−HK$1,972/mo
Today · 4.125%
HK$66,285
baseline
▲ 0.50% · 4.625%
HK$70,318
+HK$4,033/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$132,570/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,390
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,251
−HK$1,888/mo
Today · 4.125%
HK$73,139
baseline
▲ 0.50% · 4.625%
HK$76,994
+HK$3,855/mo
Deposit HK$1.52M · loan HK$13.68M · min. income ≈ HK$146,278/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$569,867 · Scale 2, in force from 26 Feb 2026)