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$34,497
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,570
−HK$1,091/mo
Today · 4.125%
HK$36,661
baseline
▲ 0.50% · 4.625%
HK$38,891
+HK$2,230/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,322/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,378
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,407
−HK$1,044/mo
Today · 4.125%
HK$40,451
baseline
▲ 0.50% · 4.625%
HK$42,584
+HK$2,133/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,902/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,397
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,685
−HK$1,308/mo
Today · 4.125%
HK$43,993
baseline
▲ 0.50% · 4.625%
HK$46,670
+HK$2,677/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$87,986/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,054
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,289
−HK$1,253/mo
Today · 4.125%
HK$48,542
baseline
▲ 0.50% · 4.625%
HK$51,100
+HK$2,558/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,084/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,296
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,799
−HK$1,526/mo
Today · 4.125%
HK$51,325
baseline
▲ 0.50% · 4.625%
HK$54,448
+HK$3,123/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,650/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,729
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,170
−HK$1,462/mo
Today · 4.125%
HK$56,632
baseline
▲ 0.50% · 4.625%
HK$59,617
+HK$2,985/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,264/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,095
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,027
−HK$1,962/mo
Today · 4.125%
HK$65,989
baseline
▲ 0.50% · 4.625%
HK$70,005
+HK$4,016/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$131,978/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,080
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,933
−HK$1,880/mo
Today · 4.125%
HK$72,813
baseline
▲ 0.50% · 4.625%
HK$76,651
+HK$3,838/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,626/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,328 · Scale 2, in force from 26 Feb 2026)