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$34,472
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,544
−HK$1,089/mo
Today · 4.125%
HK$36,633
baseline
▲ 0.50% · 4.625%
HK$38,862
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,266/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,349
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,378
−HK$1,043/mo
Today · 4.125%
HK$40,421
baseline
▲ 0.50% · 4.625%
HK$42,552
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,842/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,366
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,653
−HK$1,307/mo
Today · 4.125%
HK$43,960
baseline
▲ 0.50% · 4.625%
HK$46,635
+HK$2,675/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,920/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,019
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,253
−HK$1,252/mo
Today · 4.125%
HK$48,505
baseline
▲ 0.50% · 4.625%
HK$51,062
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,010/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,260
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,761
−HK$1,525/mo
Today · 4.125%
HK$51,286
baseline
▲ 0.50% · 4.625%
HK$54,407
+HK$3,121/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$102,572/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,689
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,129
−HK$1,461/mo
Today · 4.125%
HK$56,590
baseline
▲ 0.50% · 4.625%
HK$59,572
+HK$2,982/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$113,180/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,049
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,979
−HK$1,961/mo
Today · 4.125%
HK$65,940
baseline
▲ 0.50% · 4.625%
HK$69,952
+HK$4,012/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,880/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,029
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,880
−HK$1,878/mo
Today · 4.125%
HK$72,758
baseline
▲ 0.50% · 4.625%
HK$76,593
+HK$3,835/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,516/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,902 · Scale 2, in force from 26 Feb 2026)