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$34,430
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$35,501
−HK$1,088/mo
Today · 4.125%
HK$36,589
baseline
▲ 0.50% · 4.625%
HK$38,815
+HK$2,226/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,178/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,303
−HK$2,069/mo
▼ 0.25% · 3.875%
HK$39,330
−HK$1,042/mo
Today · 4.125%
HK$40,372
baseline
▲ 0.50% · 4.625%
HK$42,500
+HK$2,128/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,744/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,315
−HK$2,591/mo
▼ 0.25% · 3.875%
HK$42,601
−HK$1,305/mo
Today · 4.125%
HK$43,906
baseline
▲ 0.50% · 4.625%
HK$46,578
+HK$2,672/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,812/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,963
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$47,196
−HK$1,250/mo
Today · 4.125%
HK$48,446
baseline
▲ 0.50% · 4.625%
HK$51,000
+HK$2,554/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,892/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,201
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,701
−HK$1,523/mo
Today · 4.125%
HK$51,224
baseline
▲ 0.50% · 4.625%
HK$54,341
+HK$3,117/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,448/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,624
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,062
−HK$1,459/mo
Today · 4.125%
HK$56,521
baseline
▲ 0.50% · 4.625%
HK$59,500
+HK$2,979/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,042/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,973
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,901
−HK$1,959/mo
Today · 4.125%
HK$65,860
baseline
▲ 0.50% · 4.625%
HK$69,867
+HK$4,007/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,720/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,945
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,794
−HK$1,875/mo
Today · 4.125%
HK$72,669
baseline
▲ 0.50% · 4.625%
HK$76,500
+HK$3,831/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,338/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,213 · Scale 2, in force from 26 Feb 2026)