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$34,406
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,476
−HK$1,088/mo
Today · 4.125%
HK$36,564
baseline
▲ 0.50% · 4.625%
HK$38,788
+HK$2,224/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,128/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,276
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,303
−HK$1,041/mo
Today · 4.125%
HK$40,344
baseline
▲ 0.50% · 4.625%
HK$42,471
+HK$2,127/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,688/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,287
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,572
−HK$1,304/mo
Today · 4.125%
HK$43,876
baseline
▲ 0.50% · 4.625%
HK$46,546
+HK$2,670/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$87,752/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,932
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,164
−HK$1,249/mo
Today · 4.125%
HK$48,413
baseline
▲ 0.50% · 4.625%
HK$50,965
+HK$2,552/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$96,826/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,168
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,667
−HK$1,522/mo
Today · 4.125%
HK$51,189
baseline
▲ 0.50% · 4.625%
HK$54,304
+HK$3,115/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,378/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,587
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,024
−HK$1,458/mo
Today · 4.125%
HK$56,482
baseline
▲ 0.50% · 4.625%
HK$59,459
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,964/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,931
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,857
−HK$1,958/mo
Today · 4.125%
HK$65,815
baseline
▲ 0.50% · 4.625%
HK$69,819
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,630/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,898
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,745
−HK$1,875/mo
Today · 4.125%
HK$72,620
baseline
▲ 0.50% · 4.625%
HK$76,448
+HK$3,828/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,240/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,826 · Scale 2, in force from 26 Feb 2026)