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$34,379
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,448
−HK$1,087/mo
Today · 4.125%
HK$36,535
baseline
▲ 0.50% · 4.625%
HK$38,758
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,070/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,246
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,272
−HK$1,041/mo
Today · 4.125%
HK$40,313
baseline
▲ 0.50% · 4.625%
HK$42,438
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,626/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,255
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,538
−HK$1,304/mo
Today · 4.125%
HK$43,842
baseline
▲ 0.50% · 4.625%
HK$46,510
+HK$2,668/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,684/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,896
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,127
−HK$1,248/mo
Today · 4.125%
HK$48,375
baseline
▲ 0.50% · 4.625%
HK$50,925
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,750/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,131
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,628
−HK$1,521/mo
Today · 4.125%
HK$51,149
baseline
▲ 0.50% · 4.625%
HK$54,261
+HK$3,112/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,298/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,545
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,981
−HK$1,457/mo
Today · 4.125%
HK$56,438
baseline
▲ 0.50% · 4.625%
HK$59,413
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,876/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,882
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,807
−HK$1,956/mo
Today · 4.125%
HK$65,763
baseline
▲ 0.50% · 4.625%
HK$69,764
+HK$4,001/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,526/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,843
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,690
−HK$1,873/mo
Today · 4.125%
HK$72,563
baseline
▲ 0.50% · 4.625%
HK$76,388
+HK$3,825/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,126/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,382 · Scale 2, in force from 26 Feb 2026)