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$34,461
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,533
−HK$1,089/mo
Today · 4.125%
HK$36,622
baseline
▲ 0.50% · 4.625%
HK$38,850
+HK$2,228/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,244/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,337
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,365
−HK$1,043/mo
Today · 4.125%
HK$40,408
baseline
▲ 0.50% · 4.625%
HK$42,538
+HK$2,130/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,816/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,353
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,639
−HK$1,307/mo
Today · 4.125%
HK$43,946
baseline
▲ 0.50% · 4.625%
HK$46,620
+HK$2,674/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,892/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,005
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,239
−HK$1,251/mo
Today · 4.125%
HK$48,490
baseline
▲ 0.50% · 4.625%
HK$51,046
+HK$2,556/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$96,980/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,245
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,746
−HK$1,524/mo
Today · 4.125%
HK$51,270
baseline
▲ 0.50% · 4.625%
HK$54,390
+HK$3,120/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,540/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,672
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,112
−HK$1,460/mo
Today · 4.125%
HK$56,572
baseline
▲ 0.50% · 4.625%
HK$59,554
+HK$2,982/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,144/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,029
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,959
−HK$1,960/mo
Today · 4.125%
HK$65,919
baseline
▲ 0.50% · 4.625%
HK$69,930
+HK$4,011/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,838/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,007
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,858
−HK$1,877/mo
Today · 4.125%
HK$72,735
baseline
▲ 0.50% · 4.625%
HK$76,569
+HK$3,834/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,470/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,725 · Scale 2, in force from 26 Feb 2026)