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$34,460
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,532
−HK$1,089/mo
Today · 4.125%
HK$36,621
baseline
▲ 0.50% · 4.625%
HK$38,849
+HK$2,228/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,242/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,336
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,364
−HK$1,043/mo
Today · 4.125%
HK$40,407
baseline
▲ 0.50% · 4.625%
HK$42,537
+HK$2,130/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,814/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,352
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$42,638
−HK$1,307/mo
Today · 4.125%
HK$43,945
baseline
▲ 0.50% · 4.625%
HK$46,619
+HK$2,674/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$87,890/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,004
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$47,237
−HK$1,252/mo
Today · 4.125%
HK$48,489
baseline
▲ 0.50% · 4.625%
HK$51,045
+HK$2,556/mo
Deposit HK$6.04M · loan HK$9.07M · min. income ≈ HK$96,978/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,244
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,745
−HK$1,524/mo
Today · 4.125%
HK$51,269
baseline
▲ 0.50% · 4.625%
HK$54,389
+HK$3,120/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$102,538/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,671
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,110
−HK$1,460/mo
Today · 4.125%
HK$56,570
baseline
▲ 0.50% · 4.625%
HK$59,552
+HK$2,982/mo
Deposit HK$4.53M · loan HK$10.58M · min. income ≈ HK$113,140/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,028
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,957
−HK$1,961/mo
Today · 4.125%
HK$65,918
baseline
▲ 0.50% · 4.625%
HK$69,928
+HK$4,010/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,836/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,005
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,856
−HK$1,877/mo
Today · 4.125%
HK$72,733
baseline
▲ 0.50% · 4.625%
HK$76,567
+HK$3,834/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,466/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,712 · Scale 2, in force from 26 Feb 2026)