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$34,411
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,482
−HK$1,087/mo
Today · 4.125%
HK$36,569
baseline
▲ 0.50% · 4.625%
HK$38,795
+HK$2,226/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,138/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,282
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,309
−HK$1,042/mo
Today · 4.125%
HK$40,351
baseline
▲ 0.50% · 4.625%
HK$42,478
+HK$2,127/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,702/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,294
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,578
−HK$1,305/mo
Today · 4.125%
HK$43,883
baseline
▲ 0.50% · 4.625%
HK$46,553
+HK$2,670/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$87,766/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,939
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,171
−HK$1,250/mo
Today · 4.125%
HK$48,421
baseline
▲ 0.50% · 4.625%
HK$50,973
+HK$2,552/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$96,842/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,176
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,675
−HK$1,522/mo
Today · 4.125%
HK$51,197
baseline
▲ 0.50% · 4.625%
HK$54,312
+HK$3,115/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,394/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,595
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,033
−HK$1,458/mo
Today · 4.125%
HK$56,491
baseline
▲ 0.50% · 4.625%
HK$59,469
+HK$2,978/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,982/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,941
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,867
−HK$1,958/mo
Today · 4.125%
HK$65,825
baseline
▲ 0.50% · 4.625%
HK$69,830
+HK$4,005/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,650/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$565,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,908
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,756
−HK$1,875/mo
Today · 4.125%
HK$72,631
baseline
▲ 0.50% · 4.625%
HK$76,460
+HK$3,829/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,262/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$565,915 · Scale 2, in force from 26 Feb 2026)