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$34,469
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,541
−HK$1,090/mo
Today · 4.125%
HK$36,631
baseline
▲ 0.50% · 4.625%
HK$38,859
+HK$2,228/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,262/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,346
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,375
−HK$1,043/mo
Today · 4.125%
HK$40,418
baseline
▲ 0.50% · 4.625%
HK$42,549
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,836/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,363
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,649
−HK$1,308/mo
Today · 4.125%
HK$43,957
baseline
▲ 0.50% · 4.625%
HK$46,631
+HK$2,674/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,914/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,016
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,250
−HK$1,252/mo
Today · 4.125%
HK$48,502
baseline
▲ 0.50% · 4.625%
HK$51,058
+HK$2,556/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,004/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,257
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,758
−HK$1,525/mo
Today · 4.125%
HK$51,283
baseline
▲ 0.50% · 4.625%
HK$54,403
+HK$3,120/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,566/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,685
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,125
−HK$1,461/mo
Today · 4.125%
HK$56,586
baseline
▲ 0.50% · 4.625%
HK$59,568
+HK$2,982/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,172/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,044
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,974
−HK$1,961/mo
Today · 4.125%
HK$65,935
baseline
▲ 0.50% · 4.625%
HK$69,947
+HK$4,012/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,870/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,024
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,875
−HK$1,878/mo
Today · 4.125%
HK$72,753
baseline
▲ 0.50% · 4.625%
HK$76,588
+HK$3,835/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,506/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,862 · Scale 2, in force from 26 Feb 2026)