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$34,474
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,546
−HK$1,090/mo
Today · 4.125%
HK$36,636
baseline
▲ 0.50% · 4.625%
HK$38,865
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,272/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,352
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,381
−HK$1,043/mo
Today · 4.125%
HK$40,424
baseline
▲ 0.50% · 4.625%
HK$42,555
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,848/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,369
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,656
−HK$1,307/mo
Today · 4.125%
HK$43,963
baseline
▲ 0.50% · 4.625%
HK$46,638
+HK$2,675/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,926/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,023
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,257
−HK$1,252/mo
Today · 4.125%
HK$48,509
baseline
▲ 0.50% · 4.625%
HK$51,066
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,018/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,264
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,765
−HK$1,525/mo
Today · 4.125%
HK$51,290
baseline
▲ 0.50% · 4.625%
HK$54,411
+HK$3,121/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$102,580/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,693
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,133
−HK$1,461/mo
Today · 4.125%
HK$56,594
baseline
▲ 0.50% · 4.625%
HK$59,577
+HK$2,983/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$113,188/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,053
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,984
−HK$1,961/mo
Today · 4.125%
HK$65,945
baseline
▲ 0.50% · 4.625%
HK$69,957
+HK$4,012/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,890/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,034
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,885
−HK$1,878/mo
Today · 4.125%
HK$72,763
baseline
▲ 0.50% · 4.625%
HK$76,599
+HK$3,836/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,526/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,945 · Scale 2, in force from 26 Feb 2026)