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$34,442
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$35,513
−HK$1,089/mo
Today · 4.125%
HK$36,602
baseline
▲ 0.50% · 4.625%
HK$38,829
+HK$2,227/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,204/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,316
−HK$2,071/mo
▼ 0.25% · 3.875%
HK$39,344
−HK$1,043/mo
Today · 4.125%
HK$40,387
baseline
▲ 0.50% · 4.625%
HK$42,515
+HK$2,128/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,774/mo (50% DSR)
Upfront cash ≈ HK$8.12M (deposit + AVD stamp duty HK$566,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,330
−HK$2,592/mo
▼ 0.25% · 3.875%
HK$42,616
−HK$1,306/mo
Today · 4.125%
HK$43,922
baseline
▲ 0.50% · 4.625%
HK$46,595
+HK$2,673/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$87,844/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,980
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$47,213
−HK$1,251/mo
Today · 4.125%
HK$48,464
baseline
▲ 0.50% · 4.625%
HK$51,018
+HK$2,554/mo
Deposit HK$6.04M · loan HK$9.06M · min. income ≈ HK$96,928/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,219
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,719
−HK$1,524/mo
Today · 4.125%
HK$51,243
baseline
▲ 0.50% · 4.625%
HK$54,361
+HK$3,118/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$102,486/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,643
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,082
−HK$1,459/mo
Today · 4.125%
HK$56,541
baseline
▲ 0.50% · 4.625%
HK$59,522
+HK$2,981/mo
Deposit HK$4.53M · loan HK$10.57M · min. income ≈ HK$113,082/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,996
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,924
−HK$1,959/mo
Today · 4.125%
HK$65,883
baseline
▲ 0.50% · 4.625%
HK$69,892
+HK$4,009/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$131,766/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,970
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,819
−HK$1,877/mo
Today · 4.125%
HK$72,696
baseline
▲ 0.50% · 4.625%
HK$76,528
+HK$3,832/mo
Deposit HK$1.51M · loan HK$13.59M · min. income ≈ HK$145,392/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,418 · Scale 2, in force from 26 Feb 2026)