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$34,488
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,561
−HK$1,090/mo
Today · 4.125%
HK$36,651
baseline
▲ 0.50% · 4.625%
HK$38,881
+HK$2,230/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,302/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,368
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,397
−HK$1,044/mo
Today · 4.125%
HK$40,441
baseline
▲ 0.50% · 4.625%
HK$42,573
+HK$2,132/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,882/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,386
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,674
−HK$1,307/mo
Today · 4.125%
HK$43,981
baseline
▲ 0.50% · 4.625%
HK$46,658
+HK$2,677/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,962/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,042
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,277
−HK$1,252/mo
Today · 4.125%
HK$48,529
baseline
▲ 0.50% · 4.625%
HK$51,087
+HK$2,558/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,058/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,284
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,786
−HK$1,526/mo
Today · 4.125%
HK$51,312
baseline
▲ 0.50% · 4.625%
HK$54,434
+HK$3,122/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,624/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,715
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,156
−HK$1,461/mo
Today · 4.125%
HK$56,617
baseline
▲ 0.50% · 4.625%
HK$59,602
+HK$2,985/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,234/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,079
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,010
−HK$1,962/mo
Today · 4.125%
HK$65,972
baseline
▲ 0.50% · 4.625%
HK$69,986
+HK$4,014/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,944/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,063
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,915
−HK$1,879/mo
Today · 4.125%
HK$72,794
baseline
▲ 0.50% · 4.625%
HK$76,631
+HK$3,837/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,588/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,181 · Scale 2, in force from 26 Feb 2026)