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$34,459
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,531
−HK$1,089/mo
Today · 4.125%
HK$36,620
baseline
▲ 0.50% · 4.625%
HK$38,848
+HK$2,228/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,240/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,335
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,363
−HK$1,043/mo
Today · 4.125%
HK$40,406
baseline
▲ 0.50% · 4.625%
HK$42,536
+HK$2,130/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,812/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,351
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,637
−HK$1,307/mo
Today · 4.125%
HK$43,944
baseline
▲ 0.50% · 4.625%
HK$46,618
+HK$2,674/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$87,888/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,002
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,236
−HK$1,252/mo
Today · 4.125%
HK$48,488
baseline
▲ 0.50% · 4.625%
HK$51,043
+HK$2,555/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$96,976/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,242
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,743
−HK$1,525/mo
Today · 4.125%
HK$51,268
baseline
▲ 0.50% · 4.625%
HK$54,387
+HK$3,119/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,536/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,669
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,109
−HK$1,460/mo
Today · 4.125%
HK$56,569
baseline
▲ 0.50% · 4.625%
HK$59,551
+HK$2,982/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,138/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,026
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,955
−HK$1,961/mo
Today · 4.125%
HK$65,916
baseline
▲ 0.50% · 4.625%
HK$69,926
+HK$4,010/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,832/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,003
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,854
−HK$1,877/mo
Today · 4.125%
HK$72,731
baseline
▲ 0.50% · 4.625%
HK$76,565
+HK$3,834/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,462/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,695 · Scale 2, in force from 26 Feb 2026)