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$34,387
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,457
−HK$1,087/mo
Today · 4.125%
HK$36,544
baseline
▲ 0.50% · 4.625%
HK$38,767
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,088/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,256
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,282
−HK$1,040/mo
Today · 4.125%
HK$40,322
baseline
▲ 0.50% · 4.625%
HK$42,448
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,644/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,265
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,548
−HK$1,304/mo
Today · 4.125%
HK$43,852
baseline
▲ 0.50% · 4.625%
HK$46,521
+HK$2,669/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,704/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,907
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,138
−HK$1,249/mo
Today · 4.125%
HK$48,387
baseline
▲ 0.50% · 4.625%
HK$50,937
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,774/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,142
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,640
−HK$1,521/mo
Today · 4.125%
HK$51,161
baseline
▲ 0.50% · 4.625%
HK$54,274
+HK$3,113/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$102,322/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,558
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,994
−HK$1,457/mo
Today · 4.125%
HK$56,451
baseline
▲ 0.50% · 4.625%
HK$59,427
+HK$2,976/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$112,902/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,897
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,823
−HK$1,956/mo
Today · 4.125%
HK$65,779
baseline
▲ 0.50% · 4.625%
HK$69,781
+HK$4,002/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,558/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,860
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,707
−HK$1,873/mo
Today · 4.125%
HK$72,580
baseline
▲ 0.50% · 4.625%
HK$76,406
+HK$3,826/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,160/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,518 · Scale 2, in force from 26 Feb 2026)