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$34,493
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,566
−HK$1,090/mo
Today · 4.125%
HK$36,656
baseline
▲ 0.50% · 4.625%
HK$38,886
+HK$2,230/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,312/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,373
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,402
−HK$1,044/mo
Today · 4.125%
HK$40,446
baseline
▲ 0.50% · 4.625%
HK$42,578
+HK$2,132/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,892/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,391
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,679
−HK$1,308/mo
Today · 4.125%
HK$43,987
baseline
▲ 0.50% · 4.625%
HK$46,663
+HK$2,676/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$87,974/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,047
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,282
−HK$1,253/mo
Today · 4.125%
HK$48,535
baseline
▲ 0.50% · 4.625%
HK$51,094
+HK$2,559/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,070/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,290
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,792
−HK$1,526/mo
Today · 4.125%
HK$51,318
baseline
▲ 0.50% · 4.625%
HK$54,441
+HK$3,123/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,636/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,722
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,163
−HK$1,461/mo
Today · 4.125%
HK$56,624
baseline
▲ 0.50% · 4.625%
HK$59,609
+HK$2,985/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,248/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,087
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,018
−HK$1,962/mo
Today · 4.125%
HK$65,980
baseline
▲ 0.50% · 4.625%
HK$69,995
+HK$4,015/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,960/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,071
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,924
−HK$1,879/mo
Today · 4.125%
HK$72,803
baseline
▲ 0.50% · 4.625%
HK$76,640
+HK$3,837/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,606/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,252 · Scale 2, in force from 26 Feb 2026)