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$34,456
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,528
−HK$1,089/mo
Today · 4.125%
HK$36,617
baseline
▲ 0.50% · 4.625%
HK$38,845
+HK$2,228/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,234/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,332
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,360
−HK$1,043/mo
Today · 4.125%
HK$40,403
baseline
▲ 0.50% · 4.625%
HK$42,533
+HK$2,130/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,806/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,348
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,634
−HK$1,306/mo
Today · 4.125%
HK$43,940
baseline
▲ 0.50% · 4.625%
HK$46,614
+HK$2,674/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$87,880/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,999
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,232
−HK$1,252/mo
Today · 4.125%
HK$48,484
baseline
▲ 0.50% · 4.625%
HK$51,039
+HK$2,555/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$96,968/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,239
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,739
−HK$1,525/mo
Today · 4.125%
HK$51,264
baseline
▲ 0.50% · 4.625%
HK$54,383
+HK$3,119/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,528/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,665
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,104
−HK$1,460/mo
Today · 4.125%
HK$56,564
baseline
▲ 0.50% · 4.625%
HK$59,546
+HK$2,982/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,128/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,021
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,950
−HK$1,961/mo
Today · 4.125%
HK$65,911
baseline
▲ 0.50% · 4.625%
HK$69,921
+HK$4,010/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,822/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,998
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,849
−HK$1,877/mo
Today · 4.125%
HK$72,726
baseline
▲ 0.50% · 4.625%
HK$76,559
+HK$3,833/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,452/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,651 · Scale 2, in force from 26 Feb 2026)