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$34,479
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,551
−HK$1,090/mo
Today · 4.125%
HK$36,641
baseline
▲ 0.50% · 4.625%
HK$38,870
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,282/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,357
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,386
−HK$1,043/mo
Today · 4.125%
HK$40,429
baseline
▲ 0.50% · 4.625%
HK$42,560
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,858/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,374
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,661
−HK$1,308/mo
Today · 4.125%
HK$43,969
baseline
▲ 0.50% · 4.625%
HK$46,644
+HK$2,675/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,938/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,028
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,263
−HK$1,252/mo
Today · 4.125%
HK$48,515
baseline
▲ 0.50% · 4.625%
HK$51,073
+HK$2,558/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,030/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,270
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,771
−HK$1,526/mo
Today · 4.125%
HK$51,297
baseline
▲ 0.50% · 4.625%
HK$54,418
+HK$3,121/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$102,594/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,700
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,140
−HK$1,461/mo
Today · 4.125%
HK$56,601
baseline
▲ 0.50% · 4.625%
HK$59,585
+HK$2,984/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$113,202/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,061
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,992
−HK$1,961/mo
Today · 4.125%
HK$65,953
baseline
▲ 0.50% · 4.625%
HK$69,966
+HK$4,013/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,906/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,043
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,894
−HK$1,879/mo
Today · 4.125%
HK$72,773
baseline
▲ 0.50% · 4.625%
HK$76,609
+HK$3,836/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,546/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,018 · Scale 2, in force from 26 Feb 2026)