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$34,366
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,435
−HK$1,086/mo
Today · 4.125%
HK$36,521
baseline
▲ 0.50% · 4.625%
HK$38,743
+HK$2,222/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,042/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,232
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,257
−HK$1,040/mo
Today · 4.125%
HK$40,297
baseline
▲ 0.50% · 4.625%
HK$42,422
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,594/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,239
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,522
−HK$1,303/mo
Today · 4.125%
HK$43,825
baseline
▲ 0.50% · 4.625%
HK$46,492
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,650/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,878
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,109
−HK$1,248/mo
Today · 4.125%
HK$48,357
baseline
▲ 0.50% · 4.625%
HK$50,906
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,714/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,112
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,609
−HK$1,521/mo
Today · 4.125%
HK$51,130
baseline
▲ 0.50% · 4.625%
HK$54,241
+HK$3,111/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,260/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,525
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,960
−HK$1,456/mo
Today · 4.125%
HK$56,416
baseline
▲ 0.50% · 4.625%
HK$59,390
+HK$2,974/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,832/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,859
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,783
−HK$1,955/mo
Today · 4.125%
HK$65,738
baseline
▲ 0.50% · 4.625%
HK$69,738
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,476/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,817
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,663
−HK$1,872/mo
Today · 4.125%
HK$72,535
baseline
▲ 0.50% · 4.625%
HK$76,359
+HK$3,824/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,070/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,168 · Scale 2, in force from 26 Feb 2026)