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$34,386
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,455
−HK$1,087/mo
Today · 4.125%
HK$36,542
baseline
▲ 0.50% · 4.625%
HK$38,766
+HK$2,224/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,084/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,254
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,280
−HK$1,041/mo
Today · 4.125%
HK$40,321
baseline
▲ 0.50% · 4.625%
HK$42,446
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,642/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,263
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,547
−HK$1,304/mo
Today · 4.125%
HK$43,851
baseline
▲ 0.50% · 4.625%
HK$46,519
+HK$2,668/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,702/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,905
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,136
−HK$1,249/mo
Today · 4.125%
HK$48,385
baseline
▲ 0.50% · 4.625%
HK$50,935
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,770/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,140
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,638
−HK$1,521/mo
Today · 4.125%
HK$51,159
baseline
▲ 0.50% · 4.625%
HK$54,272
+HK$3,113/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$102,318/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,555
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,992
−HK$1,457/mo
Today · 4.125%
HK$56,449
baseline
▲ 0.50% · 4.625%
HK$59,424
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$112,898/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,894
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,820
−HK$1,956/mo
Today · 4.125%
HK$65,776
baseline
▲ 0.50% · 4.625%
HK$69,778
+HK$4,002/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,552/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,857
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,704
−HK$1,873/mo
Today · 4.125%
HK$72,577
baseline
▲ 0.50% · 4.625%
HK$76,403
+HK$3,826/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,154/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,493 · Scale 2, in force from 26 Feb 2026)