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$34,408
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,478
−HK$1,087/mo
Today · 4.125%
HK$36,565
baseline
▲ 0.50% · 4.625%
HK$38,790
+HK$2,225/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,130/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,278
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,305
−HK$1,041/mo
Today · 4.125%
HK$40,346
baseline
▲ 0.50% · 4.625%
HK$42,473
+HK$2,127/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,692/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,289
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,573
−HK$1,305/mo
Today · 4.125%
HK$43,878
baseline
▲ 0.50% · 4.625%
HK$46,548
+HK$2,670/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$87,756/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,934
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,166
−HK$1,249/mo
Today · 4.125%
HK$48,415
baseline
▲ 0.50% · 4.625%
HK$50,967
+HK$2,552/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$96,830/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,171
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,669
−HK$1,522/mo
Today · 4.125%
HK$51,191
baseline
▲ 0.50% · 4.625%
HK$54,306
+HK$3,115/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,382/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,589
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,027
−HK$1,458/mo
Today · 4.125%
HK$56,485
baseline
▲ 0.50% · 4.625%
HK$59,462
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,970/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,934
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,860
−HK$1,958/mo
Today · 4.125%
HK$65,818
baseline
▲ 0.50% · 4.625%
HK$69,822
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,636/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,901
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,749
−HK$1,874/mo
Today · 4.125%
HK$72,623
baseline
▲ 0.50% · 4.625%
HK$76,451
+HK$3,828/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,246/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,852 · Scale 2, in force from 26 Feb 2026)