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$34,465
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,537
−HK$1,089/mo
Today · 4.125%
HK$36,626
baseline
▲ 0.50% · 4.625%
HK$38,854
+HK$2,228/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,252/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,341
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,370
−HK$1,043/mo
Today · 4.125%
HK$40,413
baseline
▲ 0.50% · 4.625%
HK$42,543
+HK$2,130/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,826/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,357
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,644
−HK$1,307/mo
Today · 4.125%
HK$43,951
baseline
▲ 0.50% · 4.625%
HK$46,625
+HK$2,674/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,902/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,010
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,244
−HK$1,252/mo
Today · 4.125%
HK$48,496
baseline
▲ 0.50% · 4.625%
HK$51,052
+HK$2,556/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$96,992/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,250
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,751
−HK$1,525/mo
Today · 4.125%
HK$51,276
baseline
▲ 0.50% · 4.625%
HK$54,396
+HK$3,120/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,552/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,678
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,118
−HK$1,460/mo
Today · 4.125%
HK$56,578
baseline
▲ 0.50% · 4.625%
HK$59,560
+HK$2,982/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,156/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,036
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,966
−HK$1,960/mo
Today · 4.125%
HK$65,926
baseline
▲ 0.50% · 4.625%
HK$69,938
+HK$4,012/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,852/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,015
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,866
−HK$1,877/mo
Today · 4.125%
HK$72,743
baseline
▲ 0.50% · 4.625%
HK$76,578
+HK$3,835/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,486/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,788 · Scale 2, in force from 26 Feb 2026)