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$34,364
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,432
−HK$1,086/mo
Today · 4.125%
HK$36,518
baseline
▲ 0.50% · 4.625%
HK$38,740
+HK$2,222/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,036/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,229
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,254
−HK$1,040/mo
Today · 4.125%
HK$40,294
baseline
▲ 0.50% · 4.625%
HK$42,418
+HK$2,124/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,588/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,236
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,519
−HK$1,303/mo
Today · 4.125%
HK$43,822
baseline
▲ 0.50% · 4.625%
HK$46,489
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,644/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,875
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,105
−HK$1,248/mo
Today · 4.125%
HK$48,353
baseline
▲ 0.50% · 4.625%
HK$50,902
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,706/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,109
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,605
−HK$1,521/mo
Today · 4.125%
HK$51,126
baseline
▲ 0.50% · 4.625%
HK$54,237
+HK$3,111/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,252/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,521
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,956
−HK$1,456/mo
Today · 4.125%
HK$56,412
baseline
▲ 0.50% · 4.625%
HK$59,386
+HK$2,974/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,824/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,854
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,778
−HK$1,955/mo
Today · 4.125%
HK$65,733
baseline
▲ 0.50% · 4.625%
HK$69,733
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,466/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,812
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,658
−HK$1,872/mo
Today · 4.125%
HK$72,530
baseline
▲ 0.50% · 4.625%
HK$76,353
+HK$3,823/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,060/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,126 · Scale 2, in force from 26 Feb 2026)