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$34,370
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,439
−HK$1,087/mo
Today · 4.125%
HK$36,526
baseline
▲ 0.50% · 4.625%
HK$38,748
+HK$2,222/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,052/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,237
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,262
−HK$1,040/mo
Today · 4.125%
HK$40,302
baseline
▲ 0.50% · 4.625%
HK$42,427
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,604/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,244
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,527
−HK$1,304/mo
Today · 4.125%
HK$43,831
baseline
▲ 0.50% · 4.625%
HK$46,498
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,662/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,884
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,115
−HK$1,248/mo
Today · 4.125%
HK$48,363
baseline
▲ 0.50% · 4.625%
HK$50,912
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,726/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,118
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,615
−HK$1,521/mo
Today · 4.125%
HK$51,136
baseline
▲ 0.50% · 4.625%
HK$54,247
+HK$3,111/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,272/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,531
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,967
−HK$1,456/mo
Today · 4.125%
HK$56,423
baseline
▲ 0.50% · 4.625%
HK$59,398
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,846/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,867
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,791
−HK$1,955/mo
Today · 4.125%
HK$65,746
baseline
▲ 0.50% · 4.625%
HK$69,747
+HK$4,001/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,492/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,826
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,672
−HK$1,872/mo
Today · 4.125%
HK$72,544
baseline
▲ 0.50% · 4.625%
HK$76,368
+HK$3,824/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,088/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,238 · Scale 2, in force from 26 Feb 2026)