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$34,558
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,633
−HK$1,092/mo
Today · 4.125%
HK$36,725
baseline
▲ 0.50% · 4.625%
HK$38,960
+HK$2,235/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,450/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,446
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,477
−HK$1,046/mo
Today · 4.125%
HK$40,523
baseline
▲ 0.50% · 4.625%
HK$42,659
+HK$2,136/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,046/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,470
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,760
−HK$1,310/mo
Today · 4.125%
HK$44,070
baseline
▲ 0.50% · 4.625%
HK$46,752
+HK$2,682/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,140/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,135
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,372
−HK$1,255/mo
Today · 4.125%
HK$48,627
baseline
▲ 0.50% · 4.625%
HK$51,190
+HK$2,563/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,254/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,381
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,886
−HK$1,529/mo
Today · 4.125%
HK$51,415
baseline
▲ 0.50% · 4.625%
HK$54,544
+HK$3,129/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,830/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,824
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,267
−HK$1,465/mo
Today · 4.125%
HK$56,732
baseline
▲ 0.50% · 4.625%
HK$59,722
+HK$2,990/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,464/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,205
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,139
−HK$1,966/mo
Today · 4.125%
HK$66,105
baseline
▲ 0.50% · 4.625%
HK$70,128
+HK$4,023/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,210/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,202
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,058
−HK$1,883/mo
Today · 4.125%
HK$72,941
baseline
▲ 0.50% · 4.625%
HK$76,786
+HK$3,845/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,882/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,326 · Scale 2, in force from 26 Feb 2026)