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$34,452
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,523
−HK$1,089/mo
Today · 4.125%
HK$36,612
baseline
▲ 0.50% · 4.625%
HK$38,840
+HK$2,228/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,224/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,327
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,355
−HK$1,043/mo
Today · 4.125%
HK$40,398
baseline
▲ 0.50% · 4.625%
HK$42,527
+HK$2,129/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,796/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,342
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,628
−HK$1,306/mo
Today · 4.125%
HK$43,934
baseline
▲ 0.50% · 4.625%
HK$46,608
+HK$2,674/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$87,868/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,992
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,226
−HK$1,251/mo
Today · 4.125%
HK$48,477
baseline
▲ 0.50% · 4.625%
HK$51,033
+HK$2,556/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$96,954/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,232
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,733
−HK$1,524/mo
Today · 4.125%
HK$51,257
baseline
▲ 0.50% · 4.625%
HK$54,376
+HK$3,119/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,514/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,658
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,097
−HK$1,460/mo
Today · 4.125%
HK$56,557
baseline
▲ 0.50% · 4.625%
HK$59,538
+HK$2,981/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,114/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,013
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,942
−HK$1,960/mo
Today · 4.125%
HK$65,902
baseline
▲ 0.50% · 4.625%
HK$69,912
+HK$4,010/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,804/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,989
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,839
−HK$1,877/mo
Today · 4.125%
HK$72,716
baseline
▲ 0.50% · 4.625%
HK$76,549
+HK$3,833/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,432/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,575 · Scale 2, in force from 26 Feb 2026)