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$34,378
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,447
−HK$1,087/mo
Today · 4.125%
HK$36,534
baseline
▲ 0.50% · 4.625%
HK$38,757
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,068/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,245
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,271
−HK$1,041/mo
Today · 4.125%
HK$40,312
baseline
▲ 0.50% · 4.625%
HK$42,436
+HK$2,124/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,624/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,254
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,537
−HK$1,304/mo
Today · 4.125%
HK$43,841
baseline
▲ 0.50% · 4.625%
HK$46,508
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,682/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,894
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,125
−HK$1,249/mo
Today · 4.125%
HK$48,374
baseline
▲ 0.50% · 4.625%
HK$50,924
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,748/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,129
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,626
−HK$1,521/mo
Today · 4.125%
HK$51,147
baseline
▲ 0.50% · 4.625%
HK$54,260
+HK$3,113/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,294/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,543
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,979
−HK$1,457/mo
Today · 4.125%
HK$56,436
baseline
▲ 0.50% · 4.625%
HK$59,411
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,872/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,881
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,805
−HK$1,956/mo
Today · 4.125%
HK$65,761
baseline
▲ 0.50% · 4.625%
HK$69,762
+HK$4,001/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,522/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,841
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,688
−HK$1,873/mo
Today · 4.125%
HK$72,561
baseline
▲ 0.50% · 4.625%
HK$76,386
+HK$3,825/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,122/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,366 · Scale 2, in force from 26 Feb 2026)