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$34,394
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,464
−HK$1,087/mo
Today · 4.125%
HK$36,551
baseline
▲ 0.50% · 4.625%
HK$38,775
+HK$2,224/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,102/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,263
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,289
−HK$1,041/mo
Today · 4.125%
HK$40,330
baseline
▲ 0.50% · 4.625%
HK$42,456
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,660/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,273
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,556
−HK$1,305/mo
Today · 4.125%
HK$43,861
baseline
▲ 0.50% · 4.625%
HK$46,529
+HK$2,668/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,722/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,915
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,147
−HK$1,249/mo
Today · 4.125%
HK$48,396
baseline
▲ 0.50% · 4.625%
HK$50,947
+HK$2,551/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,792/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,151
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,649
−HK$1,522/mo
Today · 4.125%
HK$51,171
baseline
▲ 0.50% · 4.625%
HK$54,284
+HK$3,113/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$102,342/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,568
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,004
−HK$1,458/mo
Today · 4.125%
HK$56,462
baseline
▲ 0.50% · 4.625%
HK$59,438
+HK$2,976/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$112,924/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,909
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,834
−HK$1,957/mo
Today · 4.125%
HK$65,791
baseline
▲ 0.50% · 4.625%
HK$69,794
+HK$4,003/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,582/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,873
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,720
−HK$1,874/mo
Today · 4.125%
HK$72,594
baseline
▲ 0.50% · 4.625%
HK$76,420
+HK$3,826/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,188/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,624 · Scale 2, in force from 26 Feb 2026)