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$34,482
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,555
−HK$1,090/mo
Today · 4.125%
HK$36,645
baseline
▲ 0.50% · 4.625%
HK$38,874
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,290/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,361
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,390
−HK$1,044/mo
Today · 4.125%
HK$40,434
baseline
▲ 0.50% · 4.625%
HK$42,565
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,868/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,379
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,666
−HK$1,308/mo
Today · 4.125%
HK$43,974
baseline
▲ 0.50% · 4.625%
HK$46,649
+HK$2,675/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,948/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,033
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,268
−HK$1,252/mo
Today · 4.125%
HK$48,520
baseline
▲ 0.50% · 4.625%
HK$51,078
+HK$2,558/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,040/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,275
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,777
−HK$1,525/mo
Today · 4.125%
HK$51,302
baseline
▲ 0.50% · 4.625%
HK$54,424
+HK$3,122/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,604/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,706
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,146
−HK$1,461/mo
Today · 4.125%
HK$56,607
baseline
▲ 0.50% · 4.625%
HK$59,591
+HK$2,984/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,214/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,068
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,999
−HK$1,961/mo
Today · 4.125%
HK$65,960
baseline
▲ 0.50% · 4.625%
HK$69,974
+HK$4,014/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,920/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,050
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,902
−HK$1,879/mo
Today · 4.125%
HK$72,781
baseline
▲ 0.50% · 4.625%
HK$76,617
+HK$3,836/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,562/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,080 · Scale 2, in force from 26 Feb 2026)