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$34,489
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,562
−HK$1,090/mo
Today · 4.125%
HK$36,652
baseline
▲ 0.50% · 4.625%
HK$38,882
+HK$2,230/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,304/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,369
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,398
−HK$1,044/mo
Today · 4.125%
HK$40,442
baseline
▲ 0.50% · 4.625%
HK$42,574
+HK$2,132/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,884/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,387
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,674
−HK$1,308/mo
Today · 4.125%
HK$43,982
baseline
▲ 0.50% · 4.625%
HK$46,659
+HK$2,677/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$87,964/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,043
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,277
−HK$1,253/mo
Today · 4.125%
HK$48,530
baseline
▲ 0.50% · 4.625%
HK$51,088
+HK$2,558/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,060/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,285
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,787
−HK$1,526/mo
Today · 4.125%
HK$51,313
baseline
▲ 0.50% · 4.625%
HK$54,435
+HK$3,122/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,626/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,716
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,157
−HK$1,461/mo
Today · 4.125%
HK$56,618
baseline
▲ 0.50% · 4.625%
HK$59,603
+HK$2,985/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,236/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,080
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,012
−HK$1,961/mo
Today · 4.125%
HK$65,973
baseline
▲ 0.50% · 4.625%
HK$69,988
+HK$4,015/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,946/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,064
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,916
−HK$1,879/mo
Today · 4.125%
HK$72,795
baseline
▲ 0.50% · 4.625%
HK$76,632
+HK$3,837/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,590/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,192 · Scale 2, in force from 26 Feb 2026)