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$34,409
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,479
−HK$1,087/mo
Today · 4.125%
HK$36,566
baseline
▲ 0.50% · 4.625%
HK$38,791
+HK$2,225/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,132/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,279
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,306
−HK$1,041/mo
Today · 4.125%
HK$40,347
baseline
▲ 0.50% · 4.625%
HK$42,474
+HK$2,127/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,694/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,290
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,575
−HK$1,305/mo
Today · 4.125%
HK$43,880
baseline
▲ 0.50% · 4.625%
HK$46,550
+HK$2,670/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$87,760/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,935
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,167
−HK$1,250/mo
Today · 4.125%
HK$48,417
baseline
▲ 0.50% · 4.625%
HK$50,969
+HK$2,552/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$96,834/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,172
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,671
−HK$1,522/mo
Today · 4.125%
HK$51,193
baseline
▲ 0.50% · 4.625%
HK$54,308
+HK$3,115/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,386/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,591
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,028
−HK$1,458/mo
Today · 4.125%
HK$56,486
baseline
▲ 0.50% · 4.625%
HK$59,464
+HK$2,978/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,972/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,936
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,862
−HK$1,958/mo
Today · 4.125%
HK$65,820
baseline
▲ 0.50% · 4.625%
HK$69,825
+HK$4,005/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,640/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,903
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,751
−HK$1,874/mo
Today · 4.125%
HK$72,625
baseline
▲ 0.50% · 4.625%
HK$76,454
+HK$3,829/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,250/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,869 · Scale 2, in force from 26 Feb 2026)