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$34,426
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,496
−HK$1,088/mo
Today · 4.125%
HK$36,584
baseline
▲ 0.50% · 4.625%
HK$38,810
+HK$2,226/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,168/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$566,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,298
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,325
−HK$1,042/mo
Today · 4.125%
HK$40,367
baseline
▲ 0.50% · 4.625%
HK$42,495
+HK$2,128/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,734/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$566,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,311
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,596
−HK$1,305/mo
Today · 4.125%
HK$43,901
baseline
▲ 0.50% · 4.625%
HK$46,572
+HK$2,671/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,802/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,958
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,190
−HK$1,251/mo
Today · 4.125%
HK$48,441
baseline
▲ 0.50% · 4.625%
HK$50,994
+HK$2,553/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,882/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,196
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,695
−HK$1,523/mo
Today · 4.125%
HK$51,218
baseline
▲ 0.50% · 4.625%
HK$54,334
+HK$3,116/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,436/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,617
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,055
−HK$1,459/mo
Today · 4.125%
HK$56,514
baseline
▲ 0.50% · 4.625%
HK$59,493
+HK$2,979/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,028/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,966
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,893
−HK$1,959/mo
Today · 4.125%
HK$65,852
baseline
▲ 0.50% · 4.625%
HK$69,859
+HK$4,007/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,704/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,936
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,785
−HK$1,876/mo
Today · 4.125%
HK$72,661
baseline
▲ 0.50% · 4.625%
HK$76,491
+HK$3,830/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,322/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,146 · Scale 2, in force from 26 Feb 2026)