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$34,365
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,434
−HK$1,086/mo
Today · 4.125%
HK$36,520
baseline
▲ 0.50% · 4.625%
HK$38,742
+HK$2,222/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,040/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,231
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,256
−HK$1,040/mo
Today · 4.125%
HK$40,296
baseline
▲ 0.50% · 4.625%
HK$42,420
+HK$2,124/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,592/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,238
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,521
−HK$1,303/mo
Today · 4.125%
HK$43,824
baseline
▲ 0.50% · 4.625%
HK$46,490
+HK$2,666/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,648/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,877
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,107
−HK$1,248/mo
Today · 4.125%
HK$48,355
baseline
▲ 0.50% · 4.625%
HK$50,904
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,710/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,111
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,607
−HK$1,521/mo
Today · 4.125%
HK$51,128
baseline
▲ 0.50% · 4.625%
HK$54,239
+HK$3,111/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,256/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,523
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,958
−HK$1,456/mo
Today · 4.125%
HK$56,414
baseline
▲ 0.50% · 4.625%
HK$59,388
+HK$2,974/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,828/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,857
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,781
−HK$1,955/mo
Today · 4.125%
HK$65,736
baseline
▲ 0.50% · 4.625%
HK$69,736
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,472/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,815
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,661
−HK$1,872/mo
Today · 4.125%
HK$72,533
baseline
▲ 0.50% · 4.625%
HK$76,356
+HK$3,823/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,066/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,149 · Scale 2, in force from 26 Feb 2026)