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$34,447
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,519
−HK$1,088/mo
Today · 4.125%
HK$36,607
baseline
▲ 0.50% · 4.625%
HK$38,835
+HK$2,228/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,214/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,322
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,350
−HK$1,043/mo
Today · 4.125%
HK$40,393
baseline
▲ 0.50% · 4.625%
HK$42,522
+HK$2,129/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,786/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,337
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,622
−HK$1,307/mo
Today · 4.125%
HK$43,929
baseline
▲ 0.50% · 4.625%
HK$46,602
+HK$2,673/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,858/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,987
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,220
−HK$1,251/mo
Today · 4.125%
HK$48,471
baseline
▲ 0.50% · 4.625%
HK$51,026
+HK$2,555/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,942/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,226
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,726
−HK$1,524/mo
Today · 4.125%
HK$51,250
baseline
▲ 0.50% · 4.625%
HK$54,369
+HK$3,119/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,500/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,651
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,090
−HK$1,460/mo
Today · 4.125%
HK$56,550
baseline
▲ 0.50% · 4.625%
HK$59,530
+HK$2,980/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,100/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,005
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,934
−HK$1,959/mo
Today · 4.125%
HK$65,893
baseline
▲ 0.50% · 4.625%
HK$69,903
+HK$4,010/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,786/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,980
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,830
−HK$1,877/mo
Today · 4.125%
HK$72,707
baseline
▲ 0.50% · 4.625%
HK$76,539
+HK$3,832/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,414/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,503 · Scale 2, in force from 26 Feb 2026)