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$34,370
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,439
−HK$1,086/mo
Today · 4.125%
HK$36,525
baseline
▲ 0.50% · 4.625%
HK$38,748
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,050/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,236
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,262
−HK$1,040/mo
Today · 4.125%
HK$40,302
baseline
▲ 0.50% · 4.625%
HK$42,426
+HK$2,124/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,604/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,244
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,527
−HK$1,303/mo
Today · 4.125%
HK$43,830
baseline
▲ 0.50% · 4.625%
HK$46,497
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,660/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,884
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,114
−HK$1,248/mo
Today · 4.125%
HK$48,362
baseline
▲ 0.50% · 4.625%
HK$50,912
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,724/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,118
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,615
−HK$1,520/mo
Today · 4.125%
HK$51,135
baseline
▲ 0.50% · 4.625%
HK$54,247
+HK$3,112/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,270/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,531
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,966
−HK$1,457/mo
Today · 4.125%
HK$56,423
baseline
▲ 0.50% · 4.625%
HK$59,397
+HK$2,974/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,846/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,866
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,790
−HK$1,956/mo
Today · 4.125%
HK$65,746
baseline
▲ 0.50% · 4.625%
HK$69,746
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,492/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,825
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,671
−HK$1,873/mo
Today · 4.125%
HK$72,544
baseline
▲ 0.50% · 4.625%
HK$76,368
+HK$3,824/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,088/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,233 · Scale 2, in force from 26 Feb 2026)