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$34,421
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,492
−HK$1,088/mo
Today · 4.125%
HK$36,580
baseline
▲ 0.50% · 4.625%
HK$38,805
+HK$2,225/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,160/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$566,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,293
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,320
−HK$1,042/mo
Today · 4.125%
HK$40,362
baseline
▲ 0.50% · 4.625%
HK$42,489
+HK$2,127/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,724/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$566,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,305
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,590
−HK$1,306/mo
Today · 4.125%
HK$43,896
baseline
▲ 0.50% · 4.625%
HK$46,566
+HK$2,670/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,792/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$566,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,952
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,184
−HK$1,250/mo
Today · 4.125%
HK$48,434
baseline
▲ 0.50% · 4.625%
HK$50,987
+HK$2,553/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,868/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$566,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,190
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,688
−HK$1,523/mo
Today · 4.125%
HK$51,211
baseline
▲ 0.50% · 4.625%
HK$54,328
+HK$3,117/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,422/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$566,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,610
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,048
−HK$1,459/mo
Today · 4.125%
HK$56,507
baseline
▲ 0.50% · 4.625%
HK$59,485
+HK$2,978/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,014/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$566,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,958
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,885
−HK$1,958/mo
Today · 4.125%
HK$65,843
baseline
▲ 0.50% · 4.625%
HK$69,850
+HK$4,007/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,686/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,928
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,776
−HK$1,876/mo
Today · 4.125%
HK$72,652
baseline
▲ 0.50% · 4.625%
HK$76,481
+HK$3,829/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,304/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,073 · Scale 2, in force from 26 Feb 2026)