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$34,358
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,427
−HK$1,086/mo
Today · 4.125%
HK$36,513
baseline
▲ 0.50% · 4.625%
HK$38,735
+HK$2,222/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,026/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,223
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,249
−HK$1,040/mo
Today · 4.125%
HK$40,289
baseline
▲ 0.50% · 4.625%
HK$42,412
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,578/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,230
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,513
−HK$1,303/mo
Today · 4.125%
HK$43,816
baseline
▲ 0.50% · 4.625%
HK$46,482
+HK$2,666/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,632/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,868
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,098
−HK$1,248/mo
Today · 4.125%
HK$48,346
baseline
▲ 0.50% · 4.625%
HK$50,895
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,692/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,102
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,598
−HK$1,520/mo
Today · 4.125%
HK$51,118
baseline
▲ 0.50% · 4.625%
HK$54,229
+HK$3,111/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,236/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,513
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,948
−HK$1,456/mo
Today · 4.125%
HK$56,404
baseline
▲ 0.50% · 4.625%
HK$59,377
+HK$2,973/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,808/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,845
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,769
−HK$1,954/mo
Today · 4.125%
HK$65,723
baseline
▲ 0.50% · 4.625%
HK$69,723
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,446/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,802
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,647
−HK$1,872/mo
Today · 4.125%
HK$72,519
baseline
▲ 0.50% · 4.625%
HK$76,342
+HK$3,823/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,038/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,043 · Scale 2, in force from 26 Feb 2026)