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$566,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,337
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,366
−HK$1,043/mo
Today · 4.125%
HK$40,409
baseline
▲ 0.50% · 4.625%
HK$42,539
+HK$2,130/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,818/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,729 · 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$566,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,005
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,239
−HK$1,252/mo
Today · 4.125%
HK$48,491
baseline
▲ 0.50% · 4.625%
HK$51,047
+HK$2,556/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$96,982/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,245
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,746
−HK$1,525/mo
Today · 4.125%
HK$51,271
baseline
▲ 0.50% · 4.625%
HK$54,390
+HK$3,119/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,542/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,729 · 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$566,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,030
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,959
−HK$1,961/mo
Today · 4.125%
HK$65,920
baseline
▲ 0.50% · 4.625%
HK$69,931
+HK$4,011/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,840/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,007
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,858
−HK$1,878/mo
Today · 4.125%
HK$72,736
baseline
▲ 0.50% · 4.625%
HK$76,570
+HK$3,834/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,472/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,729 · Scale 2, in force from 26 Feb 2026)