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$34,492
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,565
−HK$1,090/mo
Today · 4.125%
HK$36,655
baseline
▲ 0.50% · 4.625%
HK$38,885
+HK$2,230/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,310/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,372
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,401
−HK$1,044/mo
Today · 4.125%
HK$40,445
baseline
▲ 0.50% · 4.625%
HK$42,577
+HK$2,132/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,890/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,390
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,678
−HK$1,308/mo
Today · 4.125%
HK$43,986
baseline
▲ 0.50% · 4.625%
HK$46,662
+HK$2,676/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$87,972/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,046
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,281
−HK$1,253/mo
Today · 4.125%
HK$48,534
baseline
▲ 0.50% · 4.625%
HK$51,093
+HK$2,559/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,068/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,289
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,791
−HK$1,526/mo
Today · 4.125%
HK$51,317
baseline
▲ 0.50% · 4.625%
HK$54,440
+HK$3,123/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,634/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,721
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,162
−HK$1,461/mo
Today · 4.125%
HK$56,623
baseline
▲ 0.50% · 4.625%
HK$59,608
+HK$2,985/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,246/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,086
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,017
−HK$1,962/mo
Today · 4.125%
HK$65,979
baseline
▲ 0.50% · 4.625%
HK$69,994
+HK$4,015/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,958/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,070
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,922
−HK$1,879/mo
Today · 4.125%
HK$72,801
baseline
▲ 0.50% · 4.625%
HK$76,639
+HK$3,838/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,602/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,240 · Scale 2, in force from 26 Feb 2026)