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$34,500
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,573
−HK$1,091/mo
Today · 4.125%
HK$36,664
baseline
▲ 0.50% · 4.625%
HK$38,895
+HK$2,231/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,328/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,381
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,410
−HK$1,045/mo
Today · 4.125%
HK$40,455
baseline
▲ 0.50% · 4.625%
HK$42,587
+HK$2,132/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,910/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,400
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,688
−HK$1,308/mo
Today · 4.125%
HK$43,996
baseline
▲ 0.50% · 4.625%
HK$46,673
+HK$2,677/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$87,992/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,057
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,293
−HK$1,253/mo
Today · 4.125%
HK$48,546
baseline
▲ 0.50% · 4.625%
HK$51,105
+HK$2,559/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,092/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,300
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,803
−HK$1,526/mo
Today · 4.125%
HK$51,329
baseline
▲ 0.50% · 4.625%
HK$54,452
+HK$3,123/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,658/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,734
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,175
−HK$1,462/mo
Today · 4.125%
HK$56,637
baseline
▲ 0.50% · 4.625%
HK$59,622
+HK$2,985/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,274/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,100
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,032
−HK$1,963/mo
Today · 4.125%
HK$65,995
baseline
▲ 0.50% · 4.625%
HK$70,010
+HK$4,015/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$131,990/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,086
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,939
−HK$1,880/mo
Today · 4.125%
HK$72,819
baseline
▲ 0.50% · 4.625%
HK$76,657
+HK$3,838/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,638/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,374 · Scale 2, in force from 26 Feb 2026)