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$34,396
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,465
−HK$1,087/mo
Today · 4.125%
HK$36,552
baseline
▲ 0.50% · 4.625%
HK$38,777
+HK$2,225/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,104/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,265
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,291
−HK$1,041/mo
Today · 4.125%
HK$40,332
baseline
▲ 0.50% · 4.625%
HK$42,458
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,664/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,275
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,559
−HK$1,304/mo
Today · 4.125%
HK$43,863
baseline
▲ 0.50% · 4.625%
HK$46,532
+HK$2,669/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,726/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,918
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,149
−HK$1,249/mo
Today · 4.125%
HK$48,398
baseline
▲ 0.50% · 4.625%
HK$50,950
+HK$2,552/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,796/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,154
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,652
−HK$1,521/mo
Today · 4.125%
HK$51,173
baseline
▲ 0.50% · 4.625%
HK$54,287
+HK$3,114/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,346/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,571
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,007
−HK$1,458/mo
Today · 4.125%
HK$56,465
baseline
▲ 0.50% · 4.625%
HK$59,441
+HK$2,976/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,930/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,912
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,838
−HK$1,956/mo
Today · 4.125%
HK$65,794
baseline
▲ 0.50% · 4.625%
HK$69,798
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,588/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,877
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,724
−HK$1,874/mo
Today · 4.125%
HK$72,598
baseline
▲ 0.50% · 4.625%
HK$76,424
+HK$3,826/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,196/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,654 · Scale 2, in force from 26 Feb 2026)