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$34,353
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,422
−HK$1,086/mo
Today · 4.125%
HK$36,508
baseline
▲ 0.50% · 4.625%
HK$38,729
+HK$2,221/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,016/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,218
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,243
−HK$1,040/mo
Today · 4.125%
HK$40,283
baseline
▲ 0.50% · 4.625%
HK$42,406
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,566/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$564,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,224
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,506
−HK$1,303/mo
Today · 4.125%
HK$43,809
baseline
▲ 0.50% · 4.625%
HK$46,475
+HK$2,666/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,618/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,861
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,091
−HK$1,248/mo
Today · 4.125%
HK$48,339
baseline
▲ 0.50% · 4.625%
HK$50,887
+HK$2,548/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,678/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$564,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,095
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,591
−HK$1,520/mo
Today · 4.125%
HK$51,111
baseline
▲ 0.50% · 4.625%
HK$54,221
+HK$3,110/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,222/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,505
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,940
−HK$1,456/mo
Today · 4.125%
HK$56,396
baseline
▲ 0.50% · 4.625%
HK$59,368
+HK$2,972/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,792/mo (50% DSR)
Upfront cash ≈ HK$5.08M (deposit + AVD stamp duty HK$564,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,836
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,760
−HK$1,954/mo
Today · 4.125%
HK$65,714
baseline
▲ 0.50% · 4.625%
HK$69,712
+HK$3,998/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,428/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,792
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,637
−HK$1,872/mo
Today · 4.125%
HK$72,509
baseline
▲ 0.50% · 4.625%
HK$76,331
+HK$3,822/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,018/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$564,961 · Scale 2, in force from 26 Feb 2026)