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$34,475
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,547
−HK$1,090/mo
Today · 4.125%
HK$36,637
baseline
▲ 0.50% · 4.625%
HK$38,866
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,274/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,353
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,381
−HK$1,044/mo
Today · 4.125%
HK$40,425
baseline
▲ 0.50% · 4.625%
HK$42,556
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,850/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,370
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,656
−HK$1,308/mo
Today · 4.125%
HK$43,964
baseline
▲ 0.50% · 4.625%
HK$46,639
+HK$2,675/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,928/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,023
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,258
−HK$1,252/mo
Today · 4.125%
HK$48,510
baseline
▲ 0.50% · 4.625%
HK$51,067
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,020/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,265
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,766
−HK$1,525/mo
Today · 4.125%
HK$51,291
baseline
▲ 0.50% · 4.625%
HK$54,412
+HK$3,121/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$102,582/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,694
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,134
−HK$1,461/mo
Today · 4.125%
HK$56,595
baseline
▲ 0.50% · 4.625%
HK$59,578
+HK$2,983/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$113,190/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,054
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,985
−HK$1,961/mo
Today · 4.125%
HK$65,946
baseline
▲ 0.50% · 4.625%
HK$69,958
+HK$4,012/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,892/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,035
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,886
−HK$1,879/mo
Today · 4.125%
HK$72,765
baseline
▲ 0.50% · 4.625%
HK$76,600
+HK$3,835/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,530/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,954 · Scale 2, in force from 26 Feb 2026)