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$34,384
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,453
−HK$1,087/mo
Today · 4.125%
HK$36,540
baseline
▲ 0.50% · 4.625%
HK$38,763
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,080/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,252
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,278
−HK$1,040/mo
Today · 4.125%
HK$40,318
baseline
▲ 0.50% · 4.625%
HK$42,444
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,636/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,261
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,544
−HK$1,304/mo
Today · 4.125%
HK$43,848
baseline
▲ 0.50% · 4.625%
HK$46,516
+HK$2,668/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,696/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,902
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,133
−HK$1,249/mo
Today · 4.125%
HK$48,382
baseline
▲ 0.50% · 4.625%
HK$50,932
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,764/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,137
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,635
−HK$1,521/mo
Today · 4.125%
HK$51,156
baseline
▲ 0.50% · 4.625%
HK$54,269
+HK$3,113/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$102,312/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,552
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,989
−HK$1,457/mo
Today · 4.125%
HK$56,446
baseline
▲ 0.50% · 4.625%
HK$59,421
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$112,892/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,891
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,816
−HK$1,956/mo
Today · 4.125%
HK$65,772
baseline
▲ 0.50% · 4.625%
HK$69,774
+HK$4,002/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,544/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,853
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,700
−HK$1,873/mo
Today · 4.125%
HK$72,573
baseline
▲ 0.50% · 4.625%
HK$76,398
+HK$3,825/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,146/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,460 · Scale 2, in force from 26 Feb 2026)