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$34,362
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,431
−HK$1,086/mo
Today · 4.125%
HK$36,517
baseline
▲ 0.50% · 4.625%
HK$38,739
+HK$2,222/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,034/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,227
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,253
−HK$1,040/mo
Today · 4.125%
HK$40,293
baseline
▲ 0.50% · 4.625%
HK$42,417
+HK$2,124/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,586/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,234
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,517
−HK$1,303/mo
Today · 4.125%
HK$43,820
baseline
▲ 0.50% · 4.625%
HK$46,487
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,640/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,873
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,103
−HK$1,248/mo
Today · 4.125%
HK$48,351
baseline
▲ 0.50% · 4.625%
HK$50,900
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,702/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,107
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,603
−HK$1,521/mo
Today · 4.125%
HK$51,124
baseline
▲ 0.50% · 4.625%
HK$54,234
+HK$3,110/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,248/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,518
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,954
−HK$1,456/mo
Today · 4.125%
HK$56,410
baseline
▲ 0.50% · 4.625%
HK$59,383
+HK$2,973/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,820/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,852
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,776
−HK$1,954/mo
Today · 4.125%
HK$65,730
baseline
▲ 0.50% · 4.625%
HK$69,730
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,460/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,103 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,809
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,655
−HK$1,872/mo
Today · 4.125%
HK$72,527
baseline
▲ 0.50% · 4.625%
HK$76,350
+HK$3,823/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,054/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,103 · Scale 2, in force from 26 Feb 2026)