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$34,401
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,472
−HK$1,087/mo
Today · 4.125%
HK$36,559
baseline
▲ 0.50% · 4.625%
HK$38,783
+HK$2,224/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,118/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,271
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,298
−HK$1,041/mo
Today · 4.125%
HK$40,339
baseline
▲ 0.50% · 4.625%
HK$42,465
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,678/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,282
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,566
−HK$1,304/mo
Today · 4.125%
HK$43,870
baseline
▲ 0.50% · 4.625%
HK$46,540
+HK$2,670/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,740/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,925
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,157
−HK$1,250/mo
Today · 4.125%
HK$48,407
baseline
▲ 0.50% · 4.625%
HK$50,958
+HK$2,551/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,814/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,162
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,660
−HK$1,522/mo
Today · 4.125%
HK$51,182
baseline
▲ 0.50% · 4.625%
HK$54,296
+HK$3,114/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,364/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,580
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,017
−HK$1,457/mo
Today · 4.125%
HK$56,474
baseline
▲ 0.50% · 4.625%
HK$59,451
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,948/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,923
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,849
−HK$1,957/mo
Today · 4.125%
HK$65,806
baseline
▲ 0.50% · 4.625%
HK$69,810
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,612/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,888
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,736
−HK$1,874/mo
Today · 4.125%
HK$72,610
baseline
▲ 0.50% · 4.625%
HK$76,437
+HK$3,827/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,220/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,750 · Scale 2, in force from 26 Feb 2026)