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$34,447
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,518
−HK$1,089/mo
Today · 4.125%
HK$36,607
baseline
▲ 0.50% · 4.625%
HK$38,834
+HK$2,227/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,214/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,322
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,350
−HK$1,042/mo
Today · 4.125%
HK$40,392
baseline
▲ 0.50% · 4.625%
HK$42,521
+HK$2,129/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,784/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,336
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,622
−HK$1,306/mo
Today · 4.125%
HK$43,928
baseline
▲ 0.50% · 4.625%
HK$46,601
+HK$2,673/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,856/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,986
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,219
−HK$1,252/mo
Today · 4.125%
HK$48,471
baseline
▲ 0.50% · 4.625%
HK$51,026
+HK$2,555/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,942/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,226
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,726
−HK$1,524/mo
Today · 4.125%
HK$51,250
baseline
▲ 0.50% · 4.625%
HK$54,368
+HK$3,118/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,500/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,651
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,089
−HK$1,460/mo
Today · 4.125%
HK$56,549
baseline
▲ 0.50% · 4.625%
HK$59,530
+HK$2,981/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,098/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,004
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,933
−HK$1,960/mo
Today · 4.125%
HK$65,893
baseline
▲ 0.50% · 4.625%
HK$69,902
+HK$4,009/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,786/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,979
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,829
−HK$1,877/mo
Today · 4.125%
HK$72,706
baseline
▲ 0.50% · 4.625%
HK$76,538
+HK$3,832/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,412/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,497 · Scale 2, in force from 26 Feb 2026)