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$34,482
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,554
−HK$1,090/mo
Today · 4.125%
HK$36,644
baseline
▲ 0.50% · 4.625%
HK$38,874
+HK$2,230/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,288/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,360
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,389
−HK$1,044/mo
Today · 4.125%
HK$40,433
baseline
▲ 0.50% · 4.625%
HK$42,564
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,866/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,378
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,665
−HK$1,308/mo
Today · 4.125%
HK$43,973
baseline
▲ 0.50% · 4.625%
HK$46,648
+HK$2,675/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,946/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,033
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,267
−HK$1,253/mo
Today · 4.125%
HK$48,520
baseline
▲ 0.50% · 4.625%
HK$51,077
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,040/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,274
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,776
−HK$1,526/mo
Today · 4.125%
HK$51,302
baseline
▲ 0.50% · 4.625%
HK$54,423
+HK$3,121/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,604/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,705
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,145
−HK$1,461/mo
Today · 4.125%
HK$56,606
baseline
▲ 0.50% · 4.625%
HK$59,590
+HK$2,984/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,212/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,067
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,998
−HK$1,961/mo
Today · 4.125%
HK$65,959
baseline
▲ 0.50% · 4.625%
HK$69,973
+HK$4,014/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,918/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,049
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,901
−HK$1,878/mo
Today · 4.125%
HK$72,779
baseline
▲ 0.50% · 4.625%
HK$76,616
+HK$3,837/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,558/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,069 · Scale 2, in force from 26 Feb 2026)