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$34,400
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,470
−HK$1,087/mo
Today · 4.125%
HK$36,557
baseline
▲ 0.50% · 4.625%
HK$38,782
+HK$2,225/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,114/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,270
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,296
−HK$1,041/mo
Today · 4.125%
HK$40,337
baseline
▲ 0.50% · 4.625%
HK$42,464
+HK$2,127/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,674/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,280
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,564
−HK$1,305/mo
Today · 4.125%
HK$43,869
baseline
▲ 0.50% · 4.625%
HK$46,538
+HK$2,669/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,738/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,924
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,155
−HK$1,250/mo
Today · 4.125%
HK$48,405
baseline
▲ 0.50% · 4.625%
HK$50,956
+HK$2,551/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,810/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,160
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,658
−HK$1,522/mo
Today · 4.125%
HK$51,180
baseline
▲ 0.50% · 4.625%
HK$54,294
+HK$3,114/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,360/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,578
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,015
−HK$1,457/mo
Today · 4.125%
HK$56,472
baseline
▲ 0.50% · 4.625%
HK$59,449
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,944/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,920
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,846
−HK$1,957/mo
Today · 4.125%
HK$65,803
baseline
▲ 0.50% · 4.625%
HK$69,807
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,606/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,886
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,733
−HK$1,874/mo
Today · 4.125%
HK$72,607
baseline
▲ 0.50% · 4.625%
HK$76,435
+HK$3,828/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,214/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,729 · Scale 2, in force from 26 Feb 2026)