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$34,359
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,428
−HK$1,086/mo
Today · 4.125%
HK$36,514
baseline
▲ 0.50% · 4.625%
HK$38,736
+HK$2,222/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,028/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,225
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,250
−HK$1,040/mo
Today · 4.125%
HK$40,290
baseline
▲ 0.50% · 4.625%
HK$42,413
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,580/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,231
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,514
−HK$1,303/mo
Today · 4.125%
HK$43,817
baseline
▲ 0.50% · 4.625%
HK$46,483
+HK$2,666/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,634/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,869
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,100
−HK$1,248/mo
Today · 4.125%
HK$48,348
baseline
▲ 0.50% · 4.625%
HK$50,896
+HK$2,548/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,696/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,103
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,600
−HK$1,520/mo
Today · 4.125%
HK$51,120
baseline
▲ 0.50% · 4.625%
HK$54,230
+HK$3,110/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,240/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,514
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,950
−HK$1,456/mo
Today · 4.125%
HK$56,406
baseline
▲ 0.50% · 4.625%
HK$59,379
+HK$2,973/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,812/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,847
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,771
−HK$1,954/mo
Today · 4.125%
HK$65,725
baseline
▲ 0.50% · 4.625%
HK$69,725
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,450/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,804
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,649
−HK$1,872/mo
Today · 4.125%
HK$72,521
baseline
▲ 0.50% · 4.625%
HK$76,344
+HK$3,823/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,042/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,059 · Scale 2, in force from 26 Feb 2026)