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$34,405
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,475
−HK$1,088/mo
Today · 4.125%
HK$36,563
baseline
▲ 0.50% · 4.625%
HK$38,787
+HK$2,224/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,126/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,275
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,302
−HK$1,041/mo
Today · 4.125%
HK$40,343
baseline
▲ 0.50% · 4.625%
HK$42,470
+HK$2,127/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,686/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,286
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,570
−HK$1,305/mo
Today · 4.125%
HK$43,875
baseline
▲ 0.50% · 4.625%
HK$46,545
+HK$2,670/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$87,750/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,930
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,162
−HK$1,250/mo
Today · 4.125%
HK$48,412
baseline
▲ 0.50% · 4.625%
HK$50,964
+HK$2,552/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$96,824/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,167
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,666
−HK$1,522/mo
Today · 4.125%
HK$51,188
baseline
▲ 0.50% · 4.625%
HK$54,302
+HK$3,114/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,376/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,586
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,023
−HK$1,458/mo
Today · 4.125%
HK$56,481
baseline
▲ 0.50% · 4.625%
HK$59,458
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,962/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,929
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,856
−HK$1,957/mo
Today · 4.125%
HK$65,813
baseline
▲ 0.50% · 4.625%
HK$69,817
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,626/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,896
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,743
−HK$1,875/mo
Today · 4.125%
HK$72,618
baseline
▲ 0.50% · 4.625%
HK$76,446
+HK$3,828/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,236/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,811 · Scale 2, in force from 26 Feb 2026)