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$34,457
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,529
−HK$1,089/mo
Today · 4.125%
HK$36,618
baseline
▲ 0.50% · 4.625%
HK$38,846
+HK$2,228/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,236/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,333
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,361
−HK$1,043/mo
Today · 4.125%
HK$40,404
baseline
▲ 0.50% · 4.625%
HK$42,534
+HK$2,130/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,808/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,348
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,635
−HK$1,306/mo
Today · 4.125%
HK$43,941
baseline
▲ 0.50% · 4.625%
HK$46,615
+HK$2,674/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$87,882/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,000
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,233
−HK$1,252/mo
Today · 4.125%
HK$48,485
baseline
▲ 0.50% · 4.625%
HK$51,041
+HK$2,556/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$96,970/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,240
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,740
−HK$1,525/mo
Today · 4.125%
HK$51,265
baseline
▲ 0.50% · 4.625%
HK$54,384
+HK$3,119/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,530/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,666
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,106
−HK$1,460/mo
Today · 4.125%
HK$56,566
baseline
▲ 0.50% · 4.625%
HK$59,547
+HK$2,981/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,132/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,023
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,952
−HK$1,960/mo
Today · 4.125%
HK$65,912
baseline
▲ 0.50% · 4.625%
HK$69,923
+HK$4,011/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,824/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,999
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,850
−HK$1,877/mo
Today · 4.125%
HK$72,727
baseline
▲ 0.50% · 4.625%
HK$76,561
+HK$3,834/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,454/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,664 · Scale 2, in force from 26 Feb 2026)