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$34,395
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,465
−HK$1,087/mo
Today · 4.125%
HK$36,552
baseline
▲ 0.50% · 4.625%
HK$38,776
+HK$2,224/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$565,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,264
−HK$2,068/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$565,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,274
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,558
−HK$1,305/mo
Today · 4.125%
HK$43,863
baseline
▲ 0.50% · 4.625%
HK$46,531
+HK$2,668/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$565,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,917
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,149
−HK$1,249/mo
Today · 4.125%
HK$48,398
baseline
▲ 0.50% · 4.625%
HK$50,949
+HK$2,551/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$565,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,153
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,651
−HK$1,522/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$565,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,570
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,007
−HK$1,457/mo
Today · 4.125%
HK$56,464
baseline
▲ 0.50% · 4.625%
HK$59,441
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,928/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,911
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,837
−HK$1,957/mo
Today · 4.125%
HK$65,794
baseline
▲ 0.50% · 4.625%
HK$69,797
+HK$4,003/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$565,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,876
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,723
−HK$1,874/mo
Today · 4.125%
HK$72,597
baseline
▲ 0.50% · 4.625%
HK$76,424
+HK$3,827/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,194/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,647 · Scale 2, in force from 26 Feb 2026)