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$34,500
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,573
−HK$1,090/mo
Today · 4.125%
HK$36,663
baseline
▲ 0.50% · 4.625%
HK$38,894
+HK$2,231/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,326/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,380
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,410
−HK$1,044/mo
Today · 4.125%
HK$40,454
baseline
▲ 0.50% · 4.625%
HK$42,586
+HK$2,132/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,908/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,399
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,687
−HK$1,309/mo
Today · 4.125%
HK$43,996
baseline
▲ 0.50% · 4.625%
HK$46,673
+HK$2,677/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$87,992/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,057
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,292
−HK$1,253/mo
Today · 4.125%
HK$48,545
baseline
▲ 0.50% · 4.625%
HK$51,104
+HK$2,559/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,090/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,299
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,802
−HK$1,526/mo
Today · 4.125%
HK$51,328
baseline
▲ 0.50% · 4.625%
HK$54,451
+HK$3,123/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,656/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,733
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,174
−HK$1,462/mo
Today · 4.125%
HK$56,636
baseline
▲ 0.50% · 4.625%
HK$59,621
+HK$2,985/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,272/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,099
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,031
−HK$1,962/mo
Today · 4.125%
HK$65,993
baseline
▲ 0.50% · 4.625%
HK$70,009
+HK$4,016/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$131,986/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,085
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,938
−HK$1,879/mo
Today · 4.125%
HK$72,817
baseline
▲ 0.50% · 4.625%
HK$76,655
+HK$3,838/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,634/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,364 · Scale 2, in force from 26 Feb 2026)