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$34,480
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,553
−HK$1,090/mo
Today · 4.125%
HK$36,643
baseline
▲ 0.50% · 4.625%
HK$38,872
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,286/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,359
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,388
−HK$1,043/mo
Today · 4.125%
HK$40,431
baseline
▲ 0.50% · 4.625%
HK$42,563
+HK$2,132/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,862/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,376
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,663
−HK$1,308/mo
Today · 4.125%
HK$43,971
baseline
▲ 0.50% · 4.625%
HK$46,647
+HK$2,676/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,942/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,031
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,265
−HK$1,253/mo
Today · 4.125%
HK$48,518
baseline
▲ 0.50% · 4.625%
HK$51,075
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,036/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,272
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,774
−HK$1,526/mo
Today · 4.125%
HK$51,300
baseline
▲ 0.50% · 4.625%
HK$54,421
+HK$3,121/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$102,600/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,703
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,143
−HK$1,461/mo
Today · 4.125%
HK$56,604
baseline
▲ 0.50% · 4.625%
HK$59,588
+HK$2,984/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$113,208/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,065
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,995
−HK$1,962/mo
Today · 4.125%
HK$65,957
baseline
▲ 0.50% · 4.625%
HK$69,970
+HK$4,013/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,914/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,046
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,898
−HK$1,879/mo
Today · 4.125%
HK$72,777
baseline
▲ 0.50% · 4.625%
HK$76,613
+HK$3,836/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,554/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,048 · Scale 2, in force from 26 Feb 2026)