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$34,462
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,534
−HK$1,089/mo
Today · 4.125%
HK$36,623
baseline
▲ 0.50% · 4.625%
HK$38,852
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,246/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,339
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,367
−HK$1,043/mo
Today · 4.125%
HK$40,410
baseline
▲ 0.50% · 4.625%
HK$42,540
+HK$2,130/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,820/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,355
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,641
−HK$1,307/mo
Today · 4.125%
HK$43,948
baseline
▲ 0.50% · 4.625%
HK$46,622
+HK$2,674/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,896/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,007
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,241
−HK$1,251/mo
Today · 4.125%
HK$48,492
baseline
▲ 0.50% · 4.625%
HK$51,049
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$96,984/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,247
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,748
−HK$1,525/mo
Today · 4.125%
HK$51,273
baseline
▲ 0.50% · 4.625%
HK$54,393
+HK$3,120/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,546/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,675
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,114
−HK$1,461/mo
Today · 4.125%
HK$56,575
baseline
▲ 0.50% · 4.625%
HK$59,557
+HK$2,982/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,150/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,032
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,962
−HK$1,960/mo
Today · 4.125%
HK$65,922
baseline
▲ 0.50% · 4.625%
HK$69,933
+HK$4,011/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,844/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,010
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,861
−HK$1,878/mo
Today · 4.125%
HK$72,739
baseline
▲ 0.50% · 4.625%
HK$76,573
+HK$3,834/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,478/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,752 · Scale 2, in force from 26 Feb 2026)