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$34,369
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,438
−HK$1,086/mo
Today · 4.125%
HK$36,524
baseline
▲ 0.50% · 4.625%
HK$38,747
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,048/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,235
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,261
−HK$1,040/mo
Today · 4.125%
HK$40,301
baseline
▲ 0.50% · 4.625%
HK$42,425
+HK$2,124/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,602/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,243
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,526
−HK$1,303/mo
Today · 4.125%
HK$43,829
baseline
▲ 0.50% · 4.625%
HK$46,496
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,658/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,883
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,113
−HK$1,248/mo
Today · 4.125%
HK$48,361
baseline
▲ 0.50% · 4.625%
HK$50,911
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,722/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,117
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,614
−HK$1,520/mo
Today · 4.125%
HK$51,134
baseline
▲ 0.50% · 4.625%
HK$54,246
+HK$3,112/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,268/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,530
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,965
−HK$1,457/mo
Today · 4.125%
HK$56,422
baseline
▲ 0.50% · 4.625%
HK$59,396
+HK$2,974/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,844/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,865
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,789
−HK$1,955/mo
Today · 4.125%
HK$65,744
baseline
▲ 0.50% · 4.625%
HK$69,744
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,488/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,824
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,670
−HK$1,872/mo
Today · 4.125%
HK$72,542
baseline
▲ 0.50% · 4.625%
HK$76,366
+HK$3,824/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,084/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,220 · Scale 2, in force from 26 Feb 2026)