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$34,404
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,474
−HK$1,087/mo
Today · 4.125%
HK$36,561
baseline
▲ 0.50% · 4.625%
HK$38,786
+HK$2,225/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,122/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,274
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,301
−HK$1,041/mo
Today · 4.125%
HK$40,342
baseline
▲ 0.50% · 4.625%
HK$42,468
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,684/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,285
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,569
−HK$1,305/mo
Today · 4.125%
HK$43,874
baseline
▲ 0.50% · 4.625%
HK$46,543
+HK$2,669/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$87,748/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,929
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,161
−HK$1,249/mo
Today · 4.125%
HK$48,410
baseline
▲ 0.50% · 4.625%
HK$50,962
+HK$2,552/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$96,820/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,166
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,664
−HK$1,522/mo
Today · 4.125%
HK$51,186
baseline
▲ 0.50% · 4.625%
HK$54,301
+HK$3,115/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,372/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,584
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,021
−HK$1,458/mo
Today · 4.125%
HK$56,479
baseline
▲ 0.50% · 4.625%
HK$59,456
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,958/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,927
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,854
−HK$1,957/mo
Today · 4.125%
HK$65,811
baseline
▲ 0.50% · 4.625%
HK$69,815
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,622/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,893
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,741
−HK$1,875/mo
Today · 4.125%
HK$72,616
baseline
▲ 0.50% · 4.625%
HK$76,443
+HK$3,827/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,232/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,793 · Scale 2, in force from 26 Feb 2026)