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$34,410
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,481
−HK$1,087/mo
Today · 4.125%
HK$36,568
baseline
▲ 0.50% · 4.625%
HK$38,793
+HK$2,225/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$73,136/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,281
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,308
−HK$1,041/mo
Today · 4.125%
HK$40,349
baseline
▲ 0.50% · 4.625%
HK$42,476
+HK$2,127/mo
Deposit HK$7.55M · loan HK$7.55M · min. income ≈ HK$80,698/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,292
−HK$2,590/mo
▼ 0.25% · 3.875%
HK$42,577
−HK$1,305/mo
Today · 4.125%
HK$43,882
baseline
▲ 0.50% · 4.625%
HK$46,552
+HK$2,670/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$87,764/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,937
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,169
−HK$1,250/mo
Today · 4.125%
HK$48,419
baseline
▲ 0.50% · 4.625%
HK$50,971
+HK$2,552/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$96,838/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,174
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,673
−HK$1,522/mo
Today · 4.125%
HK$51,195
baseline
▲ 0.50% · 4.625%
HK$54,311
+HK$3,116/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,390/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,594
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,031
−HK$1,458/mo
Today · 4.125%
HK$56,489
baseline
▲ 0.50% · 4.625%
HK$59,467
+HK$2,978/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,978/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,939
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,865
−HK$1,958/mo
Today · 4.125%
HK$65,823
baseline
▲ 0.50% · 4.625%
HK$69,828
+HK$4,005/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,646/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,906
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,754
−HK$1,875/mo
Today · 4.125%
HK$72,629
baseline
▲ 0.50% · 4.625%
HK$76,457
+HK$3,828/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,258/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,896 · Scale 2, in force from 26 Feb 2026)