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$34,420
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,491
−HK$1,087/mo
Today · 4.125%
HK$36,578
baseline
▲ 0.50% · 4.625%
HK$38,804
+HK$2,226/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,156/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$566,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,292
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,319
−HK$1,042/mo
Today · 4.125%
HK$40,361
baseline
▲ 0.50% · 4.625%
HK$42,488
+HK$2,127/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,722/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$566,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,304
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,589
−HK$1,305/mo
Today · 4.125%
HK$43,894
baseline
▲ 0.50% · 4.625%
HK$46,565
+HK$2,671/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,788/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$566,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,950
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,183
−HK$1,250/mo
Today · 4.125%
HK$48,433
baseline
▲ 0.50% · 4.625%
HK$50,986
+HK$2,553/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,866/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$566,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,188
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,687
−HK$1,523/mo
Today · 4.125%
HK$51,210
baseline
▲ 0.50% · 4.625%
HK$54,326
+HK$3,116/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,420/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$566,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,609
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,046
−HK$1,459/mo
Today · 4.125%
HK$56,505
baseline
▲ 0.50% · 4.625%
HK$59,484
+HK$2,979/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,010/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$566,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,956
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,883
−HK$1,958/mo
Today · 4.125%
HK$65,841
baseline
▲ 0.50% · 4.625%
HK$69,848
+HK$4,007/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,682/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,926
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,774
−HK$1,875/mo
Today · 4.125%
HK$72,649
baseline
▲ 0.50% · 4.625%
HK$76,479
+HK$3,830/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,298/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,056 · Scale 2, in force from 26 Feb 2026)