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$34,474
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,546
−HK$1,089/mo
Today · 4.125%
HK$36,635
baseline
▲ 0.50% · 4.625%
HK$38,864
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,270/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,351
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,380
−HK$1,043/mo
Today · 4.125%
HK$40,423
baseline
▲ 0.50% · 4.625%
HK$42,554
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,846/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,368
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,655
−HK$1,307/mo
Today · 4.125%
HK$43,962
baseline
▲ 0.50% · 4.625%
HK$46,637
+HK$2,675/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,924/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,022
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,256
−HK$1,252/mo
Today · 4.125%
HK$48,508
baseline
▲ 0.50% · 4.625%
HK$51,065
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,016/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,263
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,764
−HK$1,525/mo
Today · 4.125%
HK$51,289
baseline
▲ 0.50% · 4.625%
HK$54,410
+HK$3,121/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$102,578/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,692
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,132
−HK$1,461/mo
Today · 4.125%
HK$56,593
baseline
▲ 0.50% · 4.625%
HK$59,576
+HK$2,983/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$113,186/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,052
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,983
−HK$1,961/mo
Today · 4.125%
HK$65,944
baseline
▲ 0.50% · 4.625%
HK$69,956
+HK$4,012/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,888/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,033
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,884
−HK$1,878/mo
Today · 4.125%
HK$72,762
baseline
▲ 0.50% · 4.625%
HK$76,598
+HK$3,836/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,524/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,936 · Scale 2, in force from 26 Feb 2026)