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$34,417
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,488
−HK$1,087/mo
Today · 4.125%
HK$36,575
baseline
▲ 0.50% · 4.625%
HK$38,801
+HK$2,226/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,150/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$566,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,289
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,316
−HK$1,041/mo
Today · 4.125%
HK$40,357
baseline
▲ 0.50% · 4.625%
HK$42,485
+HK$2,128/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,714/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$566,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,301
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,585
−HK$1,305/mo
Today · 4.125%
HK$43,890
baseline
▲ 0.50% · 4.625%
HK$46,561
+HK$2,671/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,780/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$566,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,946
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,179
−HK$1,250/mo
Today · 4.125%
HK$48,429
baseline
▲ 0.50% · 4.625%
HK$50,981
+HK$2,552/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,858/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$566,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,184
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,683
−HK$1,522/mo
Today · 4.125%
HK$51,205
baseline
▲ 0.50% · 4.625%
HK$54,321
+HK$3,116/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,410/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$566,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,604
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,042
−HK$1,458/mo
Today · 4.125%
HK$56,500
baseline
▲ 0.50% · 4.625%
HK$59,478
+HK$2,978/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,000/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$566,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,951
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,878
−HK$1,958/mo
Today · 4.125%
HK$65,836
baseline
▲ 0.50% · 4.625%
HK$69,842
+HK$4,006/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,672/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,920
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,768
−HK$1,875/mo
Today · 4.125%
HK$72,643
baseline
▲ 0.50% · 4.625%
HK$76,472
+HK$3,829/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,286/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,007 · Scale 2, in force from 26 Feb 2026)