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$34,435
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,506
−HK$1,088/mo
Today · 4.125%
HK$36,594
baseline
▲ 0.50% · 4.625%
HK$38,821
+HK$2,227/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,188/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,308
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,336
−HK$1,042/mo
Today · 4.125%
HK$40,378
baseline
▲ 0.50% · 4.625%
HK$42,506
+HK$2,128/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,756/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,322
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,607
−HK$1,306/mo
Today · 4.125%
HK$43,913
baseline
▲ 0.50% · 4.625%
HK$46,585
+HK$2,672/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,826/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,970
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,203
−HK$1,251/mo
Today · 4.125%
HK$48,454
baseline
▲ 0.50% · 4.625%
HK$51,008
+HK$2,554/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,908/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,209
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,708
−HK$1,524/mo
Today · 4.125%
HK$51,232
baseline
▲ 0.50% · 4.625%
HK$54,349
+HK$3,117/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,464/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,632
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,070
−HK$1,459/mo
Today · 4.125%
HK$56,529
baseline
▲ 0.50% · 4.625%
HK$59,509
+HK$2,980/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,058/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,983
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,911
−HK$1,959/mo
Today · 4.125%
HK$65,870
baseline
▲ 0.50% · 4.625%
HK$69,878
+HK$4,008/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,740/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,955
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,804
−HK$1,877/mo
Today · 4.125%
HK$72,681
baseline
▲ 0.50% · 4.625%
HK$76,512
+HK$3,831/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,362/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,299 · Scale 2, in force from 26 Feb 2026)