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$34,450
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,521
−HK$1,089/mo
Today · 4.125%
HK$36,610
baseline
▲ 0.50% · 4.625%
HK$38,838
+HK$2,228/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,220/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,325
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,353
−HK$1,042/mo
Today · 4.125%
HK$40,395
baseline
▲ 0.50% · 4.625%
HK$42,525
+HK$2,130/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,790/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,340
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,625
−HK$1,307/mo
Today · 4.125%
HK$43,932
baseline
▲ 0.50% · 4.625%
HK$46,605
+HK$2,673/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,864/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,990
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,223
−HK$1,251/mo
Today · 4.125%
HK$48,474
baseline
▲ 0.50% · 4.625%
HK$51,030
+HK$2,556/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,948/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,229
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,730
−HK$1,524/mo
Today · 4.125%
HK$51,254
baseline
▲ 0.50% · 4.625%
HK$54,373
+HK$3,119/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,508/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,655
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,094
−HK$1,460/mo
Today · 4.125%
HK$56,554
baseline
▲ 0.50% · 4.625%
HK$59,535
+HK$2,981/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,108/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,009
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,938
−HK$1,960/mo
Today · 4.125%
HK$65,898
baseline
▲ 0.50% · 4.625%
HK$69,908
+HK$4,010/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,796/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,985
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,835
−HK$1,877/mo
Today · 4.125%
HK$72,712
baseline
▲ 0.50% · 4.625%
HK$76,544
+HK$3,832/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,424/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,542 · Scale 2, in force from 26 Feb 2026)