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$34,471
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$35,543
−HK$1,089/mo
Today · 4.125%
HK$36,632
baseline
▲ 0.50% · 4.625%
HK$38,861
+HK$2,229/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$73,264/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,348
−HK$2,072/mo
▼ 0.25% · 3.875%
HK$39,377
−HK$1,043/mo
Today · 4.125%
HK$40,420
baseline
▲ 0.50% · 4.625%
HK$42,551
+HK$2,131/mo
Deposit HK$7.56M · loan HK$7.56M · min. income ≈ HK$80,840/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$566,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,365
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$42,652
−HK$1,307/mo
Today · 4.125%
HK$43,959
baseline
▲ 0.50% · 4.625%
HK$46,634
+HK$2,675/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$87,918/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,018
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$47,252
−HK$1,252/mo
Today · 4.125%
HK$48,504
baseline
▲ 0.50% · 4.625%
HK$51,061
+HK$2,557/mo
Deposit HK$6.05M · loan HK$9.07M · min. income ≈ HK$97,008/mo (50% DSR)
Upfront cash ≈ HK$6.61M (deposit + AVD stamp duty HK$566,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,259
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,760
−HK$1,525/mo
Today · 4.125%
HK$51,285
baseline
▲ 0.50% · 4.625%
HK$54,406
+HK$3,121/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$102,570/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,688
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,128
−HK$1,460/mo
Today · 4.125%
HK$56,588
baseline
▲ 0.50% · 4.625%
HK$59,571
+HK$2,983/mo
Deposit HK$4.54M · loan HK$10.58M · min. income ≈ HK$113,176/mo (50% DSR)
Upfront cash ≈ HK$5.10M (deposit + AVD stamp duty HK$566,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,047
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,977
−HK$1,961/mo
Today · 4.125%
HK$65,938
baseline
▲ 0.50% · 4.625%
HK$69,951
+HK$4,013/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$131,876/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,027
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,878
−HK$1,878/mo
Today · 4.125%
HK$72,756
baseline
▲ 0.50% · 4.625%
HK$76,592
+HK$3,836/mo
Deposit HK$1.51M · loan HK$13.61M · min. income ≈ HK$145,512/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$566,891 · Scale 2, in force from 26 Feb 2026)