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$34,433
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,504
−HK$1,089/mo
Today · 4.125%
HK$36,593
baseline
▲ 0.50% · 4.625%
HK$38,819
+HK$2,226/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,186/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,307
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,334
−HK$1,042/mo
Today · 4.125%
HK$40,376
baseline
▲ 0.50% · 4.625%
HK$42,505
+HK$2,129/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,752/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,320
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,605
−HK$1,306/mo
Today · 4.125%
HK$43,911
baseline
▲ 0.50% · 4.625%
HK$46,583
+HK$2,672/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,822/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,968
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,201
−HK$1,251/mo
Today · 4.125%
HK$48,452
baseline
▲ 0.50% · 4.625%
HK$51,006
+HK$2,554/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,904/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,207
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,706
−HK$1,524/mo
Today · 4.125%
HK$51,230
baseline
▲ 0.50% · 4.625%
HK$54,347
+HK$3,117/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,460/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,630
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,068
−HK$1,459/mo
Today · 4.125%
HK$56,527
baseline
▲ 0.50% · 4.625%
HK$59,507
+HK$2,980/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,054/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,980
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,908
−HK$1,959/mo
Today · 4.125%
HK$65,867
baseline
▲ 0.50% · 4.625%
HK$69,875
+HK$4,008/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,734/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,952
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,802
−HK$1,876/mo
Today · 4.125%
HK$72,678
baseline
▲ 0.50% · 4.625%
HK$76,508
+HK$3,830/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,356/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,275 · Scale 2, in force from 26 Feb 2026)