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$34,392
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,462
−HK$1,087/mo
Today · 4.125%
HK$36,549
baseline
▲ 0.50% · 4.625%
HK$38,773
+HK$2,224/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,098/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,261
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,287
−HK$1,041/mo
Today · 4.125%
HK$40,328
baseline
▲ 0.50% · 4.625%
HK$42,454
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,656/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,270
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,554
−HK$1,304/mo
Today · 4.125%
HK$43,858
baseline
▲ 0.50% · 4.625%
HK$46,527
+HK$2,669/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$565,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,913
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,144
−HK$1,249/mo
Today · 4.125%
HK$48,393
baseline
▲ 0.50% · 4.625%
HK$50,944
+HK$2,551/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$565,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,149
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,647
−HK$1,521/mo
Today · 4.125%
HK$51,168
baseline
▲ 0.50% · 4.625%
HK$54,282
+HK$3,114/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$102,336/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,565
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,002
−HK$1,457/mo
Today · 4.125%
HK$56,459
baseline
▲ 0.50% · 4.625%
HK$59,435
+HK$2,976/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$112,918/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,906
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,831
−HK$1,957/mo
Today · 4.125%
HK$65,788
baseline
▲ 0.50% · 4.625%
HK$69,791
+HK$4,003/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,576/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,869
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,716
−HK$1,874/mo
Today · 4.125%
HK$72,590
baseline
▲ 0.50% · 4.625%
HK$76,417
+HK$3,827/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,180/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,595 · Scale 2, in force from 26 Feb 2026)