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$34,361
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,430
−HK$1,086/mo
Today · 4.125%
HK$36,516
baseline
▲ 0.50% · 4.625%
HK$38,738
+HK$2,222/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,032/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,226
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,252
−HK$1,040/mo
Today · 4.125%
HK$40,292
baseline
▲ 0.50% · 4.625%
HK$42,415
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,584/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,233
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,516
−HK$1,303/mo
Today · 4.125%
HK$43,819
baseline
▲ 0.50% · 4.625%
HK$46,485
+HK$2,666/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,638/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,872
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,102
−HK$1,248/mo
Today · 4.125%
HK$48,350
baseline
▲ 0.50% · 4.625%
HK$50,899
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,700/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,106
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,602
−HK$1,520/mo
Today · 4.125%
HK$51,122
baseline
▲ 0.50% · 4.625%
HK$54,233
+HK$3,111/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,244/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,517
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,952
−HK$1,456/mo
Today · 4.125%
HK$56,408
baseline
▲ 0.50% · 4.625%
HK$59,382
+HK$2,974/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,816/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,850
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,774
−HK$1,955/mo
Today · 4.125%
HK$65,729
baseline
▲ 0.50% · 4.625%
HK$69,728
+HK$3,999/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,458/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,087 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,807
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,653
−HK$1,872/mo
Today · 4.125%
HK$72,525
baseline
▲ 0.50% · 4.625%
HK$76,348
+HK$3,823/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,050/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,087 · Scale 2, in force from 26 Feb 2026)