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$34,438
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,510
−HK$1,088/mo
Today · 4.125%
HK$36,598
baseline
▲ 0.50% · 4.625%
HK$38,825
+HK$2,227/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,196/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,312
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,340
−HK$1,042/mo
Today · 4.125%
HK$40,382
baseline
▲ 0.50% · 4.625%
HK$42,511
+HK$2,129/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,764/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,326
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,612
−HK$1,306/mo
Today · 4.125%
HK$43,918
baseline
▲ 0.50% · 4.625%
HK$46,590
+HK$2,672/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,836/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,975
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,208
−HK$1,251/mo
Today · 4.125%
HK$48,459
baseline
▲ 0.50% · 4.625%
HK$51,013
+HK$2,554/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,918/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,214
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,713
−HK$1,524/mo
Today · 4.125%
HK$51,237
baseline
▲ 0.50% · 4.625%
HK$54,355
+HK$3,118/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,474/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,637
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,076
−HK$1,459/mo
Today · 4.125%
HK$56,535
baseline
▲ 0.50% · 4.625%
HK$59,515
+HK$2,980/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,070/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,989
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,917
−HK$1,959/mo
Today · 4.125%
HK$65,876
baseline
▲ 0.50% · 4.625%
HK$69,885
+HK$4,009/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,752/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,962
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,812
−HK$1,876/mo
Today · 4.125%
HK$72,688
baseline
▲ 0.50% · 4.625%
HK$76,520
+HK$3,832/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,376/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,358 · Scale 2, in force from 26 Feb 2026)