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$34,486
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,559
−HK$1,090/mo
Today · 4.125%
HK$36,649
baseline
▲ 0.50% · 4.625%
HK$38,879
+HK$2,230/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,298/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,366
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,395
−HK$1,044/mo
Today · 4.125%
HK$40,439
baseline
▲ 0.50% · 4.625%
HK$42,570
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,878/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,384
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$42,671
−HK$1,308/mo
Today · 4.125%
HK$43,979
baseline
▲ 0.50% · 4.625%
HK$46,655
+HK$2,676/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,958/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,039
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,274
−HK$1,252/mo
Today · 4.125%
HK$48,526
baseline
▲ 0.50% · 4.625%
HK$51,084
+HK$2,558/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,052/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,281
−HK$3,028/mo
▼ 0.25% · 3.875%
HK$49,783
−HK$1,526/mo
Today · 4.125%
HK$51,309
baseline
▲ 0.50% · 4.625%
HK$54,431
+HK$3,122/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,618/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,712
−HK$2,902/mo
▼ 0.25% · 3.875%
HK$55,153
−HK$1,461/mo
Today · 4.125%
HK$56,614
baseline
▲ 0.50% · 4.625%
HK$59,598
+HK$2,984/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,228/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,076
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$64,007
−HK$1,961/mo
Today · 4.125%
HK$65,968
baseline
▲ 0.50% · 4.625%
HK$69,982
+HK$4,014/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,936/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,059
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,911
−HK$1,879/mo
Today · 4.125%
HK$72,790
baseline
▲ 0.50% · 4.625%
HK$76,626
+HK$3,836/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,580/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,149 · Scale 2, in force from 26 Feb 2026)