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$34,454
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,526
−HK$1,089/mo
Today · 4.125%
HK$36,615
baseline
▲ 0.50% · 4.625%
HK$38,843
+HK$2,228/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,230/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,330
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,358
−HK$1,043/mo
Today · 4.125%
HK$40,401
baseline
▲ 0.50% · 4.625%
HK$42,530
+HK$2,129/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,802/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,345
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,631
−HK$1,307/mo
Today · 4.125%
HK$43,938
baseline
▲ 0.50% · 4.625%
HK$46,611
+HK$2,673/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$87,876/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,996
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,229
−HK$1,252/mo
Today · 4.125%
HK$48,481
baseline
▲ 0.50% · 4.625%
HK$51,036
+HK$2,555/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$96,962/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,236
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,736
−HK$1,524/mo
Today · 4.125%
HK$51,260
baseline
▲ 0.50% · 4.625%
HK$54,380
+HK$3,120/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,520/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,662
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,101
−HK$1,460/mo
Today · 4.125%
HK$56,561
baseline
▲ 0.50% · 4.625%
HK$59,542
+HK$2,981/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,122/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,017
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,946
−HK$1,960/mo
Today · 4.125%
HK$65,906
baseline
▲ 0.50% · 4.625%
HK$69,917
+HK$4,011/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,812/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,994
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,844
−HK$1,877/mo
Today · 4.125%
HK$72,721
baseline
▲ 0.50% · 4.625%
HK$76,554
+HK$3,833/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,442/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,615 · Scale 2, in force from 26 Feb 2026)