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$34,417
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,487
−HK$1,088/mo
Today · 4.125%
HK$36,575
baseline
▲ 0.50% · 4.625%
HK$38,801
+HK$2,226/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,150/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$566,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,288
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,315
−HK$1,042/mo
Today · 4.125%
HK$40,357
baseline
▲ 0.50% · 4.625%
HK$42,484
+HK$2,127/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,714/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$566,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,300
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,585
−HK$1,305/mo
Today · 4.125%
HK$43,890
baseline
▲ 0.50% · 4.625%
HK$46,561
+HK$2,671/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,780/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$566,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,946
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,178
−HK$1,250/mo
Today · 4.125%
HK$48,428
baseline
▲ 0.50% · 4.625%
HK$50,981
+HK$2,553/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,856/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$566,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,184
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,682
−HK$1,523/mo
Today · 4.125%
HK$51,205
baseline
▲ 0.50% · 4.625%
HK$54,321
+HK$3,116/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,410/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$566,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,604
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,041
−HK$1,459/mo
Today · 4.125%
HK$56,500
baseline
▲ 0.50% · 4.625%
HK$59,478
+HK$2,978/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,000/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$566,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,950
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,877
−HK$1,958/mo
Today · 4.125%
HK$65,835
baseline
▲ 0.50% · 4.625%
HK$69,841
+HK$4,006/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,670/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,919
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,768
−HK$1,875/mo
Today · 4.125%
HK$72,643
baseline
▲ 0.50% · 4.625%
HK$76,472
+HK$3,829/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,286/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,005 · Scale 2, in force from 26 Feb 2026)