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$34,371
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,440
−HK$1,087/mo
Today · 4.125%
HK$36,527
baseline
▲ 0.50% · 4.625%
HK$38,749
+HK$2,222/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,054/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,238
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,263
−HK$1,040/mo
Today · 4.125%
HK$40,303
baseline
▲ 0.50% · 4.625%
HK$42,428
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,606/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,245
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,528
−HK$1,304/mo
Today · 4.125%
HK$43,832
baseline
▲ 0.50% · 4.625%
HK$46,499
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,664/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,885
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,116
−HK$1,248/mo
Today · 4.125%
HK$48,364
baseline
▲ 0.50% · 4.625%
HK$50,913
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,728/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,120
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,616
−HK$1,521/mo
Today · 4.125%
HK$51,137
baseline
▲ 0.50% · 4.625%
HK$54,249
+HK$3,112/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,274/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,533
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,968
−HK$1,457/mo
Today · 4.125%
HK$56,425
baseline
▲ 0.50% · 4.625%
HK$59,399
+HK$2,974/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,850/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,868
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,793
−HK$1,955/mo
Today · 4.125%
HK$65,748
baseline
▲ 0.50% · 4.625%
HK$69,748
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,496/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,828
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,674
−HK$1,872/mo
Today · 4.125%
HK$72,546
baseline
▲ 0.50% · 4.625%
HK$76,370
+HK$3,824/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,092/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,252 · Scale 2, in force from 26 Feb 2026)