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$34,415
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,485
−HK$1,088/mo
Today · 4.125%
HK$36,573
baseline
▲ 0.50% · 4.625%
HK$38,798
+HK$2,225/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,146/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,286
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,313
−HK$1,042/mo
Today · 4.125%
HK$40,355
baseline
▲ 0.50% · 4.625%
HK$42,482
+HK$2,127/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,710/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,298
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,582
−HK$1,305/mo
Today · 4.125%
HK$43,887
baseline
▲ 0.50% · 4.625%
HK$46,558
+HK$2,671/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,774/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,943
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,175
−HK$1,250/mo
Today · 4.125%
HK$48,425
baseline
▲ 0.50% · 4.625%
HK$50,978
+HK$2,553/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,850/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,181
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,679
−HK$1,523/mo
Today · 4.125%
HK$51,202
baseline
▲ 0.50% · 4.625%
HK$54,317
+HK$3,115/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,404/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,600
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,038
−HK$1,458/mo
Today · 4.125%
HK$56,496
baseline
▲ 0.50% · 4.625%
HK$59,474
+HK$2,978/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,992/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,947
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,873
−HK$1,958/mo
Today · 4.125%
HK$65,831
baseline
▲ 0.50% · 4.625%
HK$69,837
+HK$4,006/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,662/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$565,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,915
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,763
−HK$1,875/mo
Today · 4.125%
HK$72,638
baseline
▲ 0.50% · 4.625%
HK$76,467
+HK$3,829/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,276/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$565,969 · Scale 2, in force from 26 Feb 2026)