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$34,360
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,429
−HK$1,086/mo
Today · 4.125%
HK$36,515
baseline
▲ 0.50% · 4.625%
HK$38,737
+HK$2,222/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,030/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,225
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,251
−HK$1,040/mo
Today · 4.125%
HK$40,291
baseline
▲ 0.50% · 4.625%
HK$42,414
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,582/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,232
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,515
−HK$1,303/mo
Today · 4.125%
HK$43,818
baseline
▲ 0.50% · 4.625%
HK$46,484
+HK$2,666/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,636/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,871
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,101
−HK$1,248/mo
Today · 4.125%
HK$48,349
baseline
▲ 0.50% · 4.625%
HK$50,897
+HK$2,548/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,698/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,104
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,601
−HK$1,520/mo
Today · 4.125%
HK$51,121
baseline
▲ 0.50% · 4.625%
HK$54,232
+HK$3,111/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,242/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,516
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,951
−HK$1,456/mo
Today · 4.125%
HK$56,407
baseline
▲ 0.50% · 4.625%
HK$59,380
+HK$2,973/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,814/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,848
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,772
−HK$1,955/mo
Today · 4.125%
HK$65,727
baseline
▲ 0.50% · 4.625%
HK$69,726
+HK$3,999/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,454/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,806
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,651
−HK$1,872/mo
Today · 4.125%
HK$72,523
baseline
▲ 0.50% · 4.625%
HK$76,346
+HK$3,823/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,046/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,073 · Scale 2, in force from 26 Feb 2026)