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$34,403
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,473
−HK$1,087/mo
Today · 4.125%
HK$36,560
baseline
▲ 0.50% · 4.625%
HK$38,785
+HK$2,225/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,120/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,273
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,299
−HK$1,041/mo
Today · 4.125%
HK$40,340
baseline
▲ 0.50% · 4.625%
HK$42,467
+HK$2,127/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,680/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,283
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,567
−HK$1,305/mo
Today · 4.125%
HK$43,872
baseline
▲ 0.50% · 4.625%
HK$46,542
+HK$2,670/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,744/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,927
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,159
−HK$1,250/mo
Today · 4.125%
HK$48,409
baseline
▲ 0.50% · 4.625%
HK$50,960
+HK$2,551/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,818/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,164
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,662
−HK$1,522/mo
Today · 4.125%
HK$51,184
baseline
▲ 0.50% · 4.625%
HK$54,299
+HK$3,115/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,368/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,582
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,019
−HK$1,458/mo
Today · 4.125%
HK$56,477
baseline
▲ 0.50% · 4.625%
HK$59,454
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,954/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,925
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,851
−HK$1,957/mo
Today · 4.125%
HK$65,808
baseline
▲ 0.50% · 4.625%
HK$69,812
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,616/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,891
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,738
−HK$1,875/mo
Today · 4.125%
HK$72,613
baseline
▲ 0.50% · 4.625%
HK$76,440
+HK$3,827/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,226/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,771 · Scale 2, in force from 26 Feb 2026)