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$34,484
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,557
−HK$1,090/mo
Today · 4.125%
HK$36,647
baseline
▲ 0.50% · 4.625%
HK$38,876
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,294/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,363
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,392
−HK$1,044/mo
Today · 4.125%
HK$40,436
baseline
▲ 0.50% · 4.625%
HK$42,567
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,872/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,381
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,668
−HK$1,308/mo
Today · 4.125%
HK$43,976
baseline
▲ 0.50% · 4.625%
HK$46,652
+HK$2,676/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,952/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,036
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,270
−HK$1,253/mo
Today · 4.125%
HK$48,523
baseline
▲ 0.50% · 4.625%
HK$51,081
+HK$2,558/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,046/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,278
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,779
−HK$1,526/mo
Today · 4.125%
HK$51,305
baseline
▲ 0.50% · 4.625%
HK$54,427
+HK$3,122/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,610/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,708
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,149
−HK$1,461/mo
Today · 4.125%
HK$56,610
baseline
▲ 0.50% · 4.625%
HK$59,594
+HK$2,984/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,220/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,071
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,002
−HK$1,962/mo
Today · 4.125%
HK$65,964
baseline
▲ 0.50% · 4.625%
HK$69,977
+HK$4,013/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,928/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,054
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,906
−HK$1,878/mo
Today · 4.125%
HK$72,784
baseline
▲ 0.50% · 4.625%
HK$76,621
+HK$3,837/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,568/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,109 · Scale 2, in force from 26 Feb 2026)