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$34,407
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$35,477
−HK$1,088/mo
Today · 4.125%
HK$36,565
baseline
▲ 0.50% · 4.625%
HK$38,790
+HK$2,225/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,130/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,278
−HK$2,068/mo
▼ 0.25% · 3.875%
HK$39,304
−HK$1,042/mo
Today · 4.125%
HK$40,346
baseline
▲ 0.50% · 4.625%
HK$42,472
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,692/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,289
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,573
−HK$1,305/mo
Today · 4.125%
HK$43,878
baseline
▲ 0.50% · 4.625%
HK$46,548
+HK$2,670/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$87,756/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,933
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,165
−HK$1,250/mo
Today · 4.125%
HK$48,415
baseline
▲ 0.50% · 4.625%
HK$50,967
+HK$2,552/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$96,830/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,170
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,668
−HK$1,523/mo
Today · 4.125%
HK$51,191
baseline
▲ 0.50% · 4.625%
HK$54,306
+HK$3,115/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,382/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,589
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,026
−HK$1,458/mo
Today · 4.125%
HK$56,484
baseline
▲ 0.50% · 4.625%
HK$59,461
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,968/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,933
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,859
−HK$1,958/mo
Today · 4.125%
HK$65,817
baseline
▲ 0.50% · 4.625%
HK$69,821
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,634/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,900
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,748
−HK$1,874/mo
Today · 4.125%
HK$72,622
baseline
▲ 0.50% · 4.625%
HK$76,450
+HK$3,828/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,244/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,845 · Scale 2, in force from 26 Feb 2026)