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$34,446
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,517
−HK$1,089/mo
Today · 4.125%
HK$36,606
baseline
▲ 0.50% · 4.625%
HK$38,833
+HK$2,227/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,212/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,321
−HK$2,070/mo
▼ 0.25% · 3.875%
HK$39,348
−HK$1,043/mo
Today · 4.125%
HK$40,391
baseline
▲ 0.50% · 4.625%
HK$42,520
+HK$2,129/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,782/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,335
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,621
−HK$1,306/mo
Today · 4.125%
HK$43,927
baseline
▲ 0.50% · 4.625%
HK$46,600
+HK$2,673/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,854/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,985
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,218
−HK$1,251/mo
Today · 4.125%
HK$48,469
baseline
▲ 0.50% · 4.625%
HK$51,024
+HK$2,555/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,938/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,224
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,724
−HK$1,524/mo
Today · 4.125%
HK$51,248
baseline
▲ 0.50% · 4.625%
HK$54,366
+HK$3,118/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,496/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,649
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,088
−HK$1,459/mo
Today · 4.125%
HK$56,547
baseline
▲ 0.50% · 4.625%
HK$59,528
+HK$2,981/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,094/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,002
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,931
−HK$1,959/mo
Today · 4.125%
HK$65,890
baseline
▲ 0.50% · 4.625%
HK$69,900
+HK$4,010/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$131,780/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,478 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,977
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,827
−HK$1,877/mo
Today · 4.125%
HK$72,704
baseline
▲ 0.50% · 4.625%
HK$76,536
+HK$3,832/mo
Deposit HK$1.51M · loan HK$13.60M · min. income ≈ HK$145,408/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,478 · Scale 2, in force from 26 Feb 2026)