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$34,496
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,569
−HK$1,090/mo
Today · 4.125%
HK$36,659
baseline
▲ 0.50% · 4.625%
HK$38,890
+HK$2,231/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,318/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,376
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,406
−HK$1,044/mo
Today · 4.125%
HK$40,450
baseline
▲ 0.50% · 4.625%
HK$42,582
+HK$2,132/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,900/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,395
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,683
−HK$1,308/mo
Today · 4.125%
HK$43,991
baseline
▲ 0.50% · 4.625%
HK$46,668
+HK$2,677/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$87,982/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,052
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,287
−HK$1,253/mo
Today · 4.125%
HK$48,540
baseline
▲ 0.50% · 4.625%
HK$51,098
+HK$2,558/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,080/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,294
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,797
−HK$1,526/mo
Today · 4.125%
HK$51,323
baseline
▲ 0.50% · 4.625%
HK$54,446
+HK$3,123/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,646/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,727
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,168
−HK$1,462/mo
Today · 4.125%
HK$56,630
baseline
▲ 0.50% · 4.625%
HK$59,615
+HK$2,985/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,260/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,093
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,024
−HK$1,963/mo
Today · 4.125%
HK$65,987
baseline
▲ 0.50% · 4.625%
HK$70,002
+HK$4,015/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$131,974/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,078
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,930
−HK$1,880/mo
Today · 4.125%
HK$72,810
baseline
▲ 0.50% · 4.625%
HK$76,648
+HK$3,838/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,620/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,305 · Scale 2, in force from 26 Feb 2026)