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$34,441
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,512
−HK$1,089/mo
Today · 4.125%
HK$36,601
baseline
▲ 0.50% · 4.625%
HK$38,828
+HK$2,227/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,202/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,315
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,343
−HK$1,043/mo
Today · 4.125%
HK$40,386
baseline
▲ 0.50% · 4.625%
HK$42,514
+HK$2,128/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,772/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,329
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,615
−HK$1,306/mo
Today · 4.125%
HK$43,921
baseline
▲ 0.50% · 4.625%
HK$46,594
+HK$2,673/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,842/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,979
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,212
−HK$1,251/mo
Today · 4.125%
HK$48,463
baseline
▲ 0.50% · 4.625%
HK$51,017
+HK$2,554/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,926/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,218
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,717
−HK$1,524/mo
Today · 4.125%
HK$51,241
baseline
▲ 0.50% · 4.625%
HK$54,359
+HK$3,118/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,482/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,642
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,080
−HK$1,460/mo
Today · 4.125%
HK$56,540
baseline
▲ 0.50% · 4.625%
HK$59,520
+HK$2,980/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,080/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,994
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,922
−HK$1,960/mo
Today · 4.125%
HK$65,882
baseline
▲ 0.50% · 4.625%
HK$69,890
+HK$4,008/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,764/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,968
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,817
−HK$1,877/mo
Today · 4.125%
HK$72,694
baseline
▲ 0.50% · 4.625%
HK$76,526
+HK$3,832/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,388/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,403 · Scale 2, in force from 26 Feb 2026)