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$34,411
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,481
−HK$1,088/mo
Today · 4.125%
HK$36,569
baseline
▲ 0.50% · 4.625%
HK$38,794
+HK$2,225/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,138/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,282
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,308
−HK$1,042/mo
Today · 4.125%
HK$40,350
baseline
▲ 0.50% · 4.625%
HK$42,477
+HK$2,127/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,700/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,293
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,577
−HK$1,305/mo
Today · 4.125%
HK$43,882
baseline
▲ 0.50% · 4.625%
HK$46,553
+HK$2,671/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$87,764/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,938
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,170
−HK$1,250/mo
Today · 4.125%
HK$48,420
baseline
▲ 0.50% · 4.625%
HK$50,972
+HK$2,552/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$96,840/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,175
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,674
−HK$1,522/mo
Today · 4.125%
HK$51,196
baseline
▲ 0.50% · 4.625%
HK$54,311
+HK$3,115/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,392/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,594
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,032
−HK$1,458/mo
Today · 4.125%
HK$56,490
baseline
▲ 0.50% · 4.625%
HK$59,468
+HK$2,978/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,980/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,940
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,866
−HK$1,958/mo
Today · 4.125%
HK$65,824
baseline
▲ 0.50% · 4.625%
HK$69,829
+HK$4,005/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,648/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,907
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,755
−HK$1,875/mo
Today · 4.125%
HK$72,630
baseline
▲ 0.50% · 4.625%
HK$76,458
+HK$3,828/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,260/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,905 · Scale 2, in force from 26 Feb 2026)