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$34,403
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,473
−HK$1,088/mo
Today · 4.125%
HK$36,561
baseline
▲ 0.50% · 4.625%
HK$38,785
+HK$2,224/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$565,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,273
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,300
−HK$1,041/mo
Today · 4.125%
HK$40,341
baseline
▲ 0.50% · 4.625%
HK$42,468
+HK$2,127/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,682/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,284
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,568
−HK$1,305/mo
Today · 4.125%
HK$43,873
baseline
▲ 0.50% · 4.625%
HK$46,542
+HK$2,669/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,746/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,928
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,160
−HK$1,249/mo
Today · 4.125%
HK$48,409
baseline
▲ 0.50% · 4.625%
HK$50,961
+HK$2,552/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,818/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,165
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,663
−HK$1,522/mo
Today · 4.125%
HK$51,185
baseline
▲ 0.50% · 4.625%
HK$54,299
+HK$3,114/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,370/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,583
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,020
−HK$1,458/mo
Today · 4.125%
HK$56,478
baseline
▲ 0.50% · 4.625%
HK$59,455
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,956/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,926
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,852
−HK$1,957/mo
Today · 4.125%
HK$65,809
baseline
▲ 0.50% · 4.625%
HK$69,814
+HK$4,005/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,618/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,892
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,740
−HK$1,874/mo
Today · 4.125%
HK$72,614
baseline
▲ 0.50% · 4.625%
HK$76,442
+HK$3,828/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,228/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,780 · Scale 2, in force from 26 Feb 2026)