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$34,437
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,508
−HK$1,088/mo
Today · 4.125%
HK$36,596
baseline
▲ 0.50% · 4.625%
HK$38,823
+HK$2,227/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,192/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,310
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,338
−HK$1,042/mo
Today · 4.125%
HK$40,380
baseline
▲ 0.50% · 4.625%
HK$42,509
+HK$2,129/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,760/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,324
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,609
−HK$1,306/mo
Today · 4.125%
HK$43,915
baseline
▲ 0.50% · 4.625%
HK$46,587
+HK$2,672/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,830/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,972
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,205
−HK$1,251/mo
Today · 4.125%
HK$48,456
baseline
▲ 0.50% · 4.625%
HK$51,010
+HK$2,554/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,912/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,211
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,711
−HK$1,523/mo
Today · 4.125%
HK$51,234
baseline
▲ 0.50% · 4.625%
HK$54,352
+HK$3,118/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,468/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,634
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,073
−HK$1,459/mo
Today · 4.125%
HK$56,532
baseline
▲ 0.50% · 4.625%
HK$59,512
+HK$2,980/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,064/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,986
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,914
−HK$1,959/mo
Today · 4.125%
HK$65,873
baseline
▲ 0.50% · 4.625%
HK$69,881
+HK$4,008/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,746/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,959
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,808
−HK$1,876/mo
Today · 4.125%
HK$72,684
baseline
▲ 0.50% · 4.625%
HK$76,515
+HK$3,831/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,368/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,327 · Scale 2, in force from 26 Feb 2026)