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$34,375
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,444
−HK$1,087/mo
Today · 4.125%
HK$36,531
baseline
▲ 0.50% · 4.625%
HK$38,753
+HK$2,222/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,062/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,242
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,267
−HK$1,041/mo
Today · 4.125%
HK$40,308
baseline
▲ 0.50% · 4.625%
HK$42,433
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,616/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,250
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,533
−HK$1,304/mo
Today · 4.125%
HK$43,837
baseline
▲ 0.50% · 4.625%
HK$46,504
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,674/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,890
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,121
−HK$1,248/mo
Today · 4.125%
HK$48,369
baseline
▲ 0.50% · 4.625%
HK$50,919
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,738/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,125
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,622
−HK$1,521/mo
Today · 4.125%
HK$51,143
baseline
▲ 0.50% · 4.625%
HK$54,255
+HK$3,112/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,286/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,539
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,974
−HK$1,457/mo
Today · 4.125%
HK$56,431
baseline
▲ 0.50% · 4.625%
HK$59,406
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,862/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,875
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,800
−HK$1,955/mo
Today · 4.125%
HK$65,755
baseline
▲ 0.50% · 4.625%
HK$69,756
+HK$4,001/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,510/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,835
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,681
−HK$1,873/mo
Today · 4.125%
HK$72,554
baseline
▲ 0.50% · 4.625%
HK$76,379
+HK$3,825/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,108/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,314 · Scale 2, in force from 26 Feb 2026)