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$34,487
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,560
−HK$1,090/mo
Today · 4.125%
HK$36,650
baseline
▲ 0.50% · 4.625%
HK$38,880
+HK$2,230/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,300/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,367
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,396
−HK$1,044/mo
Today · 4.125%
HK$40,440
baseline
▲ 0.50% · 4.625%
HK$42,571
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,880/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,385
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,672
−HK$1,308/mo
Today · 4.125%
HK$43,980
baseline
▲ 0.50% · 4.625%
HK$46,656
+HK$2,676/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,960/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,040
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,275
−HK$1,253/mo
Today · 4.125%
HK$48,528
baseline
▲ 0.50% · 4.625%
HK$51,085
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,056/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,282
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,784
−HK$1,526/mo
Today · 4.125%
HK$51,310
baseline
▲ 0.50% · 4.625%
HK$54,432
+HK$3,122/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,620/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,713
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,154
−HK$1,461/mo
Today · 4.125%
HK$56,615
baseline
▲ 0.50% · 4.625%
HK$59,600
+HK$2,985/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,230/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,077
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,008
−HK$1,962/mo
Today · 4.125%
HK$65,970
baseline
▲ 0.50% · 4.625%
HK$69,984
+HK$4,014/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,940/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,060
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,912
−HK$1,879/mo
Today · 4.125%
HK$72,791
baseline
▲ 0.50% · 4.625%
HK$76,628
+HK$3,837/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,582/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,162 · Scale 2, in force from 26 Feb 2026)