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$34,449
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,520
−HK$1,089/mo
Today · 4.125%
HK$36,609
baseline
▲ 0.50% · 4.625%
HK$38,837
+HK$2,228/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,218/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,324
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,352
−HK$1,042/mo
Today · 4.125%
HK$40,394
baseline
▲ 0.50% · 4.625%
HK$42,524
+HK$2,130/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,788/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,339
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,624
−HK$1,307/mo
Today · 4.125%
HK$43,931
baseline
▲ 0.50% · 4.625%
HK$46,604
+HK$2,673/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,862/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,989
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,222
−HK$1,251/mo
Today · 4.125%
HK$48,473
baseline
▲ 0.50% · 4.625%
HK$51,028
+HK$2,555/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,946/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,228
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,728
−HK$1,525/mo
Today · 4.125%
HK$51,253
baseline
▲ 0.50% · 4.625%
HK$54,371
+HK$3,118/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,506/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,653
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,092
−HK$1,460/mo
Today · 4.125%
HK$56,552
baseline
▲ 0.50% · 4.625%
HK$59,533
+HK$2,981/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,104/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,008
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,937
−HK$1,959/mo
Today · 4.125%
HK$65,896
baseline
▲ 0.50% · 4.625%
HK$69,906
+HK$4,010/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,792/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,983
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,833
−HK$1,877/mo
Today · 4.125%
HK$72,710
baseline
▲ 0.50% · 4.625%
HK$76,543
+HK$3,833/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,420/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,529 · Scale 2, in force from 26 Feb 2026)