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$34,399
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,469
−HK$1,087/mo
Today · 4.125%
HK$36,556
baseline
▲ 0.50% · 4.625%
HK$38,780
+HK$2,224/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,112/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,268
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,295
−HK$1,041/mo
Today · 4.125%
HK$40,336
baseline
▲ 0.50% · 4.625%
HK$42,462
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,672/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,278
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,562
−HK$1,305/mo
Today · 4.125%
HK$43,867
baseline
▲ 0.50% · 4.625%
HK$46,536
+HK$2,669/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,734/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,922
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,153
−HK$1,250/mo
Today · 4.125%
HK$48,403
baseline
▲ 0.50% · 4.625%
HK$50,954
+HK$2,551/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,806/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,158
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,656
−HK$1,522/mo
Today · 4.125%
HK$51,178
baseline
▲ 0.50% · 4.625%
HK$54,292
+HK$3,114/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,356/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,576
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,012
−HK$1,458/mo
Today · 4.125%
HK$56,470
baseline
▲ 0.50% · 4.625%
HK$59,447
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,940/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,918
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,844
−HK$1,956/mo
Today · 4.125%
HK$65,800
baseline
▲ 0.50% · 4.625%
HK$69,804
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,600/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,883
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,730
−HK$1,874/mo
Today · 4.125%
HK$72,604
baseline
▲ 0.50% · 4.625%
HK$76,431
+HK$3,827/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,208/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,705 · Scale 2, in force from 26 Feb 2026)