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$34,395
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,465
−HK$1,087/mo
Today · 4.125%
HK$36,552
baseline
▲ 0.50% · 4.625%
HK$38,776
+HK$2,224/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,104/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,264
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,290
−HK$1,041/mo
Today · 4.125%
HK$40,331
baseline
▲ 0.50% · 4.625%
HK$42,457
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,662/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,274
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,558
−HK$1,304/mo
Today · 4.125%
HK$43,862
baseline
▲ 0.50% · 4.625%
HK$46,531
+HK$2,669/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,724/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,917
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,148
−HK$1,250/mo
Today · 4.125%
HK$48,398
baseline
▲ 0.50% · 4.625%
HK$50,949
+HK$2,551/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,796/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,153
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,651
−HK$1,522/mo
Today · 4.125%
HK$51,173
baseline
▲ 0.50% · 4.625%
HK$54,286
+HK$3,113/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,346/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,570
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,007
−HK$1,457/mo
Today · 4.125%
HK$56,464
baseline
▲ 0.50% · 4.625%
HK$59,440
+HK$2,976/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,928/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,911
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,837
−HK$1,956/mo
Today · 4.125%
HK$65,793
baseline
▲ 0.50% · 4.625%
HK$69,797
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,586/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,875
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,723
−HK$1,874/mo
Today · 4.125%
HK$72,597
baseline
▲ 0.50% · 4.625%
HK$76,423
+HK$3,826/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,194/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,645 · Scale 2, in force from 26 Feb 2026)