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$34,440
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,512
−HK$1,088/mo
Today · 4.125%
HK$36,600
baseline
▲ 0.50% · 4.625%
HK$38,827
+HK$2,227/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,200/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,314
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,342
−HK$1,042/mo
Today · 4.125%
HK$40,384
baseline
▲ 0.50% · 4.625%
HK$42,513
+HK$2,129/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,768/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,328
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,614
−HK$1,306/mo
Today · 4.125%
HK$43,920
baseline
▲ 0.50% · 4.625%
HK$46,592
+HK$2,672/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,840/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,977
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,210
−HK$1,251/mo
Today · 4.125%
HK$48,461
baseline
▲ 0.50% · 4.625%
HK$51,016
+HK$2,555/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,922/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,216
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,716
−HK$1,524/mo
Today · 4.125%
HK$51,240
baseline
▲ 0.50% · 4.625%
HK$54,358
+HK$3,118/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,480/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,640
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,079
−HK$1,459/mo
Today · 4.125%
HK$56,538
baseline
▲ 0.50% · 4.625%
HK$59,518
+HK$2,980/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,076/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,992
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,921
−HK$1,959/mo
Today · 4.125%
HK$65,880
baseline
▲ 0.50% · 4.625%
HK$69,889
+HK$4,009/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,760/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,966
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,816
−HK$1,876/mo
Today · 4.125%
HK$72,692
baseline
▲ 0.50% · 4.625%
HK$76,524
+HK$3,832/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,384/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,388 · Scale 2, in force from 26 Feb 2026)