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$34,499
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,572
−HK$1,091/mo
Today · 4.125%
HK$36,663
baseline
▲ 0.50% · 4.625%
HK$38,893
+HK$2,230/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,326/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,380
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,409
−HK$1,045/mo
Today · 4.125%
HK$40,454
baseline
▲ 0.50% · 4.625%
HK$42,586
+HK$2,132/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,908/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,399
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,687
−HK$1,308/mo
Today · 4.125%
HK$43,995
baseline
▲ 0.50% · 4.625%
HK$46,672
+HK$2,677/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$87,990/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,056
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,291
−HK$1,253/mo
Today · 4.125%
HK$48,544
baseline
▲ 0.50% · 4.625%
HK$51,103
+HK$2,559/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,088/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,299
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,801
−HK$1,527/mo
Today · 4.125%
HK$51,328
baseline
▲ 0.50% · 4.625%
HK$54,451
+HK$3,123/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,656/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,732
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,173
−HK$1,462/mo
Today · 4.125%
HK$56,635
baseline
▲ 0.50% · 4.625%
HK$59,620
+HK$2,985/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,270/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,099
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,030
−HK$1,963/mo
Today · 4.125%
HK$65,993
baseline
▲ 0.50% · 4.625%
HK$70,008
+HK$4,015/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$131,986/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,084
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,937
−HK$1,879/mo
Today · 4.125%
HK$72,816
baseline
▲ 0.50% · 4.625%
HK$76,655
+HK$3,839/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,632/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,357 · Scale 2, in force from 26 Feb 2026)