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$34,401
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,471
−HK$1,087/mo
Today · 4.125%
HK$36,558
baseline
▲ 0.50% · 4.625%
HK$38,782
+HK$2,224/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,116/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,270
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,297
−HK$1,041/mo
Today · 4.125%
HK$40,338
baseline
▲ 0.50% · 4.625%
HK$42,464
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,676/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,281
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,565
−HK$1,304/mo
Today · 4.125%
HK$43,869
baseline
▲ 0.50% · 4.625%
HK$46,539
+HK$2,670/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,738/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,924
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,156
−HK$1,249/mo
Today · 4.125%
HK$48,405
baseline
▲ 0.50% · 4.625%
HK$50,957
+HK$2,552/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,810/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,161
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,659
−HK$1,522/mo
Today · 4.125%
HK$51,181
baseline
▲ 0.50% · 4.625%
HK$54,295
+HK$3,114/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,362/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,578
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,015
−HK$1,458/mo
Today · 4.125%
HK$56,473
baseline
▲ 0.50% · 4.625%
HK$59,450
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,946/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,921
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,847
−HK$1,957/mo
Today · 4.125%
HK$65,804
baseline
▲ 0.50% · 4.625%
HK$69,808
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,608/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,886
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,734
−HK$1,874/mo
Today · 4.125%
HK$72,608
baseline
▲ 0.50% · 4.625%
HK$76,435
+HK$3,827/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,216/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,735 · Scale 2, in force from 26 Feb 2026)