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$34,428
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,499
−HK$1,088/mo
Today · 4.125%
HK$36,587
baseline
▲ 0.50% · 4.625%
HK$38,813
+HK$2,226/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,174/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,301
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,328
−HK$1,042/mo
Today · 4.125%
HK$40,370
baseline
▲ 0.50% · 4.625%
HK$42,498
+HK$2,128/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,740/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,313
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,598
−HK$1,306/mo
Today · 4.125%
HK$43,904
baseline
▲ 0.50% · 4.625%
HK$46,576
+HK$2,672/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,808/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,961
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,193
−HK$1,251/mo
Today · 4.125%
HK$48,444
baseline
▲ 0.50% · 4.625%
HK$50,997
+HK$2,553/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,888/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,199
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,698
−HK$1,523/mo
Today · 4.125%
HK$51,221
baseline
▲ 0.50% · 4.625%
HK$54,338
+HK$3,117/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,442/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,621
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,059
−HK$1,459/mo
Today · 4.125%
HK$56,518
baseline
▲ 0.50% · 4.625%
HK$59,497
+HK$2,979/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,036/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,970
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,898
−HK$1,958/mo
Today · 4.125%
HK$65,856
baseline
▲ 0.50% · 4.625%
HK$69,863
+HK$4,007/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,712/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,941
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,790
−HK$1,876/mo
Today · 4.125%
HK$72,666
baseline
▲ 0.50% · 4.625%
HK$76,496
+HK$3,830/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,332/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,184 · Scale 2, in force from 26 Feb 2026)