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$34,435
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,507
−HK$1,088/mo
Today · 4.125%
HK$36,595
baseline
▲ 0.50% · 4.625%
HK$38,821
+HK$2,226/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,190/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,309
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,336
−HK$1,043/mo
Today · 4.125%
HK$40,379
baseline
▲ 0.50% · 4.625%
HK$42,507
+HK$2,128/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,758/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,322
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,608
−HK$1,306/mo
Today · 4.125%
HK$43,914
baseline
▲ 0.50% · 4.625%
HK$46,586
+HK$2,672/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,828/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,971
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,204
−HK$1,250/mo
Today · 4.125%
HK$48,454
baseline
▲ 0.50% · 4.625%
HK$51,009
+HK$2,555/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,908/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,210
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,709
−HK$1,524/mo
Today · 4.125%
HK$51,233
baseline
▲ 0.50% · 4.625%
HK$54,350
+HK$3,117/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,466/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,633
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,071
−HK$1,459/mo
Today · 4.125%
HK$56,530
baseline
▲ 0.50% · 4.625%
HK$59,510
+HK$2,980/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,060/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,984
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,912
−HK$1,959/mo
Today · 4.125%
HK$65,871
baseline
▲ 0.50% · 4.625%
HK$69,879
+HK$4,008/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,742/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,956
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,806
−HK$1,876/mo
Today · 4.125%
HK$72,682
baseline
▲ 0.50% · 4.625%
HK$76,513
+HK$3,831/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,364/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,308 · Scale 2, in force from 26 Feb 2026)