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$34,409
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,480
−HK$1,087/mo
Today · 4.125%
HK$36,567
baseline
▲ 0.50% · 4.625%
HK$38,792
+HK$2,225/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,134/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,280
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,307
−HK$1,041/mo
Today · 4.125%
HK$40,348
baseline
▲ 0.50% · 4.625%
HK$42,475
+HK$2,127/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,696/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,291
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,576
−HK$1,305/mo
Today · 4.125%
HK$43,881
baseline
▲ 0.50% · 4.625%
HK$46,551
+HK$2,670/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$87,762/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,936
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,168
−HK$1,250/mo
Today · 4.125%
HK$48,418
baseline
▲ 0.50% · 4.625%
HK$50,970
+HK$2,552/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$96,836/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,173
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,672
−HK$1,522/mo
Today · 4.125%
HK$51,194
baseline
▲ 0.50% · 4.625%
HK$54,309
+HK$3,115/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,388/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,592
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,029
−HK$1,459/mo
Today · 4.125%
HK$56,488
baseline
▲ 0.50% · 4.625%
HK$59,465
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,976/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,937
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,864
−HK$1,957/mo
Today · 4.125%
HK$65,821
baseline
▲ 0.50% · 4.625%
HK$69,826
+HK$4,005/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,642/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,904
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,752
−HK$1,875/mo
Today · 4.125%
HK$72,627
baseline
▲ 0.50% · 4.625%
HK$76,455
+HK$3,828/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,254/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,881 · Scale 2, in force from 26 Feb 2026)