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$34,391
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,461
−HK$1,087/mo
Today · 4.125%
HK$36,548
baseline
▲ 0.50% · 4.625%
HK$38,772
+HK$2,224/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,096/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,260
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,286
−HK$1,041/mo
Today · 4.125%
HK$40,327
baseline
▲ 0.50% · 4.625%
HK$42,453
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,654/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,270
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,553
−HK$1,305/mo
Today · 4.125%
HK$43,858
baseline
▲ 0.50% · 4.625%
HK$46,526
+HK$2,668/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,716/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,912
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,143
−HK$1,250/mo
Today · 4.125%
HK$48,393
baseline
▲ 0.50% · 4.625%
HK$50,943
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,786/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,148
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,646
−HK$1,521/mo
Today · 4.125%
HK$51,167
baseline
▲ 0.50% · 4.625%
HK$54,281
+HK$3,114/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$102,334/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,564
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,001
−HK$1,457/mo
Today · 4.125%
HK$56,458
baseline
▲ 0.50% · 4.625%
HK$59,434
+HK$2,976/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$112,916/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,905
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,830
−HK$1,956/mo
Today · 4.125%
HK$65,786
baseline
▲ 0.50% · 4.625%
HK$69,789
+HK$4,003/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,572/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,868
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,715
−HK$1,874/mo
Today · 4.125%
HK$72,589
baseline
▲ 0.50% · 4.625%
HK$76,415
+HK$3,826/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,178/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,585 · Scale 2, in force from 26 Feb 2026)