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$34,380
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,450
−HK$1,086/mo
Today · 4.125%
HK$36,536
baseline
▲ 0.50% · 4.625%
HK$38,759
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,072/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,248
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,273
−HK$1,041/mo
Today · 4.125%
HK$40,314
baseline
▲ 0.50% · 4.625%
HK$42,439
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,628/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,256
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,539
−HK$1,304/mo
Today · 4.125%
HK$43,843
baseline
▲ 0.50% · 4.625%
HK$46,511
+HK$2,668/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,686/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,897
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,128
−HK$1,249/mo
Today · 4.125%
HK$48,377
baseline
▲ 0.50% · 4.625%
HK$50,927
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,754/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,132
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,629
−HK$1,521/mo
Today · 4.125%
HK$51,150
baseline
▲ 0.50% · 4.625%
HK$54,263
+HK$3,113/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,300/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,547
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,983
−HK$1,457/mo
Today · 4.125%
HK$56,440
baseline
▲ 0.50% · 4.625%
HK$59,415
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,880/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,884
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,809
−HK$1,956/mo
Today · 4.125%
HK$65,765
baseline
▲ 0.50% · 4.625%
HK$69,767
+HK$4,002/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,530/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,846
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,692
−HK$1,873/mo
Today · 4.125%
HK$72,565
baseline
▲ 0.50% · 4.625%
HK$76,390
+HK$3,825/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,130/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,399 · Scale 2, in force from 26 Feb 2026)