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$34,464
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,536
−HK$1,089/mo
Today · 4.125%
HK$36,625
baseline
▲ 0.50% · 4.625%
HK$38,854
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,250/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,341
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,369
−HK$1,043/mo
Today · 4.125%
HK$40,412
baseline
▲ 0.50% · 4.625%
HK$42,543
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,824/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,357
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,643
−HK$1,307/mo
Today · 4.125%
HK$43,950
baseline
▲ 0.50% · 4.625%
HK$46,625
+HK$2,675/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,900/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,009
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,243
−HK$1,252/mo
Today · 4.125%
HK$48,495
baseline
▲ 0.50% · 4.625%
HK$51,051
+HK$2,556/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$96,990/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,250
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,751
−HK$1,525/mo
Today · 4.125%
HK$51,276
baseline
▲ 0.50% · 4.625%
HK$54,396
+HK$3,120/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,552/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,677
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,117
−HK$1,460/mo
Today · 4.125%
HK$56,577
baseline
▲ 0.50% · 4.625%
HK$59,560
+HK$2,983/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,154/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,035
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,965
−HK$1,961/mo
Today · 4.125%
HK$65,926
baseline
▲ 0.50% · 4.625%
HK$69,937
+HK$4,011/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,852/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,014
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,865
−HK$1,877/mo
Today · 4.125%
HK$72,742
baseline
▲ 0.50% · 4.625%
HK$76,577
+HK$3,835/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,484/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,782 · Scale 2, in force from 26 Feb 2026)