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$34,497
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,570
−HK$1,090/mo
Today · 4.125%
HK$36,660
baseline
▲ 0.50% · 4.625%
HK$38,891
+HK$2,231/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,320/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,377
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,406
−HK$1,045/mo
Today · 4.125%
HK$40,451
baseline
▲ 0.50% · 4.625%
HK$42,583
+HK$2,132/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,902/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,396
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,684
−HK$1,308/mo
Today · 4.125%
HK$43,992
baseline
▲ 0.50% · 4.625%
HK$46,669
+HK$2,677/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$87,984/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,053
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,288
−HK$1,253/mo
Today · 4.125%
HK$48,541
baseline
▲ 0.50% · 4.625%
HK$51,099
+HK$2,558/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,082/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,295
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,798
−HK$1,526/mo
Today · 4.125%
HK$51,324
baseline
▲ 0.50% · 4.625%
HK$54,447
+HK$3,123/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,648/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,728
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,169
−HK$1,462/mo
Today · 4.125%
HK$56,631
baseline
▲ 0.50% · 4.625%
HK$59,616
+HK$2,985/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,262/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,094
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,025
−HK$1,963/mo
Today · 4.125%
HK$65,988
baseline
▲ 0.50% · 4.625%
HK$70,003
+HK$4,015/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$131,976/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,079
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,932
−HK$1,879/mo
Today · 4.125%
HK$72,811
baseline
▲ 0.50% · 4.625%
HK$76,649
+HK$3,838/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,622/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,315 · Scale 2, in force from 26 Feb 2026)