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$34,445
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,517
−HK$1,088/mo
Today · 4.125%
HK$36,605
baseline
▲ 0.50% · 4.625%
HK$38,833
+HK$2,228/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,210/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,320
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,348
−HK$1,043/mo
Today · 4.125%
HK$40,391
baseline
▲ 0.50% · 4.625%
HK$42,520
+HK$2,129/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,782/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,335
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,620
−HK$1,307/mo
Today · 4.125%
HK$43,927
baseline
▲ 0.50% · 4.625%
HK$46,599
+HK$2,672/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,854/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,984
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,218
−HK$1,251/mo
Today · 4.125%
HK$48,469
baseline
▲ 0.50% · 4.625%
HK$51,023
+HK$2,554/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,938/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,224
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,724
−HK$1,524/mo
Today · 4.125%
HK$51,248
baseline
▲ 0.50% · 4.625%
HK$54,366
+HK$3,118/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,496/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,648
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,087
−HK$1,460/mo
Today · 4.125%
HK$56,547
baseline
▲ 0.50% · 4.625%
HK$59,527
+HK$2,980/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,094/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,002
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,930
−HK$1,960/mo
Today · 4.125%
HK$65,890
baseline
▲ 0.50% · 4.625%
HK$69,899
+HK$4,009/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,780/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,976
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,826
−HK$1,877/mo
Today · 4.125%
HK$72,703
baseline
▲ 0.50% · 4.625%
HK$76,535
+HK$3,832/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,406/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,474 · Scale 2, in force from 26 Feb 2026)