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$34,376
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,445
−HK$1,086/mo
Today · 4.125%
HK$36,531
baseline
▲ 0.50% · 4.625%
HK$38,754
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,062/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,243
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,268
−HK$1,041/mo
Today · 4.125%
HK$40,309
baseline
▲ 0.50% · 4.625%
HK$42,434
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,618/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,251
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,534
−HK$1,304/mo
Today · 4.125%
HK$43,838
baseline
▲ 0.50% · 4.625%
HK$46,505
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,676/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,891
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,122
−HK$1,249/mo
Today · 4.125%
HK$48,371
baseline
▲ 0.50% · 4.625%
HK$50,920
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,742/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,126
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,623
−HK$1,521/mo
Today · 4.125%
HK$51,144
baseline
▲ 0.50% · 4.625%
HK$54,256
+HK$3,112/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,288/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,540
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,976
−HK$1,456/mo
Today · 4.125%
HK$56,432
baseline
▲ 0.50% · 4.625%
HK$59,407
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,864/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,876
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,801
−HK$1,956/mo
Today · 4.125%
HK$65,757
baseline
▲ 0.50% · 4.625%
HK$69,758
+HK$4,001/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,514/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,837
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,683
−HK$1,873/mo
Today · 4.125%
HK$72,556
baseline
▲ 0.50% · 4.625%
HK$76,381
+HK$3,825/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,112/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,329 · Scale 2, in force from 26 Feb 2026)