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$34,472
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,545
−HK$1,089/mo
Today · 4.125%
HK$36,634
baseline
▲ 0.50% · 4.625%
HK$38,863
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,268/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,350
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,379
−HK$1,043/mo
Today · 4.125%
HK$40,422
baseline
▲ 0.50% · 4.625%
HK$42,553
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,844/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,367
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,654
−HK$1,307/mo
Today · 4.125%
HK$43,961
baseline
▲ 0.50% · 4.625%
HK$46,636
+HK$2,675/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,922/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,020
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,254
−HK$1,252/mo
Today · 4.125%
HK$48,506
baseline
▲ 0.50% · 4.625%
HK$51,063
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,012/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,261
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,762
−HK$1,526/mo
Today · 4.125%
HK$51,288
baseline
▲ 0.50% · 4.625%
HK$54,408
+HK$3,120/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$102,576/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,690
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,130
−HK$1,461/mo
Today · 4.125%
HK$56,591
baseline
▲ 0.50% · 4.625%
HK$59,574
+HK$2,983/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$113,182/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,050
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,980
−HK$1,961/mo
Today · 4.125%
HK$65,941
baseline
▲ 0.50% · 4.625%
HK$69,954
+HK$4,013/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,882/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,030
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,882
−HK$1,878/mo
Today · 4.125%
HK$72,760
baseline
▲ 0.50% · 4.625%
HK$76,595
+HK$3,835/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,520/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,916 · Scale 2, in force from 26 Feb 2026)