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$34,477
−HK$2,162/mo
▼ 0.25% · 3.875%
HK$35,550
−HK$1,089/mo
Today · 4.125%
HK$36,639
baseline
▲ 0.50% · 4.625%
HK$38,869
+HK$2,230/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,278/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,356
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,384
−HK$1,044/mo
Today · 4.125%
HK$40,428
baseline
▲ 0.50% · 4.625%
HK$42,559
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,856/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,373
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,660
−HK$1,307/mo
Today · 4.125%
HK$43,967
baseline
▲ 0.50% · 4.625%
HK$46,643
+HK$2,676/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,934/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$567,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,027
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$47,261
−HK$1,253/mo
Today · 4.125%
HK$48,514
baseline
▲ 0.50% · 4.625%
HK$51,071
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,028/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$567,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,268
−HK$3,027/mo
▼ 0.25% · 3.875%
HK$49,770
−HK$1,525/mo
Today · 4.125%
HK$51,295
baseline
▲ 0.50% · 4.625%
HK$54,416
+HK$3,121/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$102,590/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,698
−HK$2,901/mo
▼ 0.25% · 3.875%
HK$55,138
−HK$1,461/mo
Today · 4.125%
HK$56,599
baseline
▲ 0.50% · 4.625%
HK$59,583
+HK$2,984/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$113,198/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$567,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,059
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,990
−HK$1,961/mo
Today · 4.125%
HK$65,951
baseline
▲ 0.50% · 4.625%
HK$69,964
+HK$4,013/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,902/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,040
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,892
−HK$1,878/mo
Today · 4.125%
HK$72,770
baseline
▲ 0.50% · 4.625%
HK$76,606
+HK$3,836/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,540/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,000 · Scale 2, in force from 26 Feb 2026)