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$34,396
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,466
−HK$1,087/mo
Today · 4.125%
HK$36,553
baseline
▲ 0.50% · 4.625%
HK$38,778
+HK$2,225/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,106/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,266
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,292
−HK$1,041/mo
Today · 4.125%
HK$40,333
baseline
▲ 0.50% · 4.625%
HK$42,459
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,666/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,276
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,560
−HK$1,304/mo
Today · 4.125%
HK$43,864
baseline
▲ 0.50% · 4.625%
HK$46,533
+HK$2,669/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,728/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,919
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,150
−HK$1,250/mo
Today · 4.125%
HK$48,400
baseline
▲ 0.50% · 4.625%
HK$50,951
+HK$2,551/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,800/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,155
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,653
−HK$1,522/mo
Today · 4.125%
HK$51,175
baseline
▲ 0.50% · 4.625%
HK$54,289
+HK$3,114/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,350/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,572
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$55,009
−HK$1,457/mo
Today · 4.125%
HK$56,466
baseline
▲ 0.50% · 4.625%
HK$59,443
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,932/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,914
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,839
−HK$1,957/mo
Today · 4.125%
HK$65,796
baseline
▲ 0.50% · 4.625%
HK$69,800
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,592/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,878
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,726
−HK$1,874/mo
Today · 4.125%
HK$72,600
baseline
▲ 0.50% · 4.625%
HK$76,426
+HK$3,826/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,200/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,668 · Scale 2, in force from 26 Feb 2026)