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$34,481
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,554
−HK$1,089/mo
Today · 4.125%
HK$36,643
baseline
▲ 0.50% · 4.625%
HK$38,873
+HK$2,230/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,286/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,360
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,389
−HK$1,043/mo
Today · 4.125%
HK$40,432
baseline
▲ 0.50% · 4.625%
HK$42,563
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,864/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,377
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,664
−HK$1,308/mo
Today · 4.125%
HK$43,972
baseline
▲ 0.50% · 4.625%
HK$46,647
+HK$2,675/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,944/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,032
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,266
−HK$1,253/mo
Today · 4.125%
HK$48,519
baseline
▲ 0.50% · 4.625%
HK$51,076
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,038/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,273
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,775
−HK$1,526/mo
Today · 4.125%
HK$51,301
baseline
▲ 0.50% · 4.625%
HK$54,422
+HK$3,121/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,602/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,704
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,144
−HK$1,461/mo
Today · 4.125%
HK$56,605
baseline
▲ 0.50% · 4.625%
HK$59,589
+HK$2,984/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,210/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,066
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,996
−HK$1,962/mo
Today · 4.125%
HK$65,958
baseline
▲ 0.50% · 4.625%
HK$69,971
+HK$4,013/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,916/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,048
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,899
−HK$1,879/mo
Today · 4.125%
HK$72,778
baseline
▲ 0.50% · 4.625%
HK$76,614
+HK$3,836/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,556/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,058 · Scale 2, in force from 26 Feb 2026)