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$34,381
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,451
−HK$1,086/mo
Today · 4.125%
HK$36,537
baseline
▲ 0.50% · 4.625%
HK$38,760
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,074/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,249
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,275
−HK$1,040/mo
Today · 4.125%
HK$40,315
baseline
▲ 0.50% · 4.625%
HK$42,440
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,630/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,258
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,541
−HK$1,304/mo
Today · 4.125%
HK$43,845
baseline
▲ 0.50% · 4.625%
HK$46,513
+HK$2,668/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,690/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,899
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,130
−HK$1,248/mo
Today · 4.125%
HK$48,378
baseline
▲ 0.50% · 4.625%
HK$50,928
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,756/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,134
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,631
−HK$1,521/mo
Today · 4.125%
HK$51,152
baseline
▲ 0.50% · 4.625%
HK$54,265
+HK$3,113/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,304/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,548
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,984
−HK$1,457/mo
Today · 4.125%
HK$56,441
baseline
▲ 0.50% · 4.625%
HK$59,416
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,882/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,886
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,811
−HK$1,956/mo
Today · 4.125%
HK$65,767
baseline
▲ 0.50% · 4.625%
HK$69,769
+HK$4,002/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,534/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,848
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,694
−HK$1,873/mo
Today · 4.125%
HK$72,567
baseline
▲ 0.50% · 4.625%
HK$76,393
+HK$3,826/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,134/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,418 · Scale 2, in force from 26 Feb 2026)