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$38,851
+HK$2,228/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$566,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,338
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,366
−HK$1,044/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$566,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,354
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,640
−HK$1,307/mo
Today · 4.125%
HK$43,947
baseline
▲ 0.50% · 4.625%
HK$46,621
+HK$2,674/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,894/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,006
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,240
−HK$1,251/mo
Today · 4.125%
HK$48,491
baseline
▲ 0.50% · 4.625%
HK$51,047
+HK$2,556/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$96,982/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,246
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,747
−HK$1,525/mo
Today · 4.125%
HK$51,272
baseline
▲ 0.50% · 4.625%
HK$54,392
+HK$3,120/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,544/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,673
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,113
−HK$1,460/mo
Today · 4.125%
HK$56,573
baseline
▲ 0.50% · 4.625%
HK$59,555
+HK$2,982/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,146/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,031
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,960
−HK$1,961/mo
Today · 4.125%
HK$65,921
baseline
▲ 0.50% · 4.625%
HK$69,932
+HK$4,011/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,842/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,009
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,860
−HK$1,877/mo
Today · 4.125%
HK$72,737
baseline
▲ 0.50% · 4.625%
HK$76,571
+HK$3,834/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,474/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,740 · Scale 2, in force from 26 Feb 2026)