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$34,383
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,452
−HK$1,087/mo
Today · 4.125%
HK$36,539
baseline
▲ 0.50% · 4.625%
HK$38,762
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,078/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,250
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,276
−HK$1,041/mo
Today · 4.125%
HK$40,317
baseline
▲ 0.50% · 4.625%
HK$42,442
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,634/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,259
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,543
−HK$1,303/mo
Today · 4.125%
HK$43,846
baseline
▲ 0.50% · 4.625%
HK$46,514
+HK$2,668/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,692/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,900
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,131
−HK$1,249/mo
Today · 4.125%
HK$48,380
baseline
▲ 0.50% · 4.625%
HK$50,930
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,760/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,136
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,633
−HK$1,521/mo
Today · 4.125%
HK$51,154
baseline
▲ 0.50% · 4.625%
HK$54,267
+HK$3,113/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,308/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,550
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,987
−HK$1,457/mo
Today · 4.125%
HK$56,444
baseline
▲ 0.50% · 4.625%
HK$59,419
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,888/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,889
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,814
−HK$1,956/mo
Today · 4.125%
HK$65,770
baseline
▲ 0.50% · 4.625%
HK$69,772
+HK$4,002/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,540/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,851
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,697
−HK$1,873/mo
Today · 4.125%
HK$72,570
baseline
▲ 0.50% · 4.625%
HK$76,396
+HK$3,826/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,140/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,440 · Scale 2, in force from 26 Feb 2026)