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$34,362
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,431
−HK$1,086/mo
Today · 4.125%
HK$36,517
baseline
▲ 0.50% · 4.625%
HK$38,739
+HK$2,222/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,034/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,228
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,253
−HK$1,040/mo
Today · 4.125%
HK$40,293
baseline
▲ 0.50% · 4.625%
HK$42,417
+HK$2,124/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,586/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,235
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,517
−HK$1,304/mo
Today · 4.125%
HK$43,821
baseline
▲ 0.50% · 4.625%
HK$46,487
+HK$2,666/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,642/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,873
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,104
−HK$1,248/mo
Today · 4.125%
HK$48,352
baseline
▲ 0.50% · 4.625%
HK$50,900
+HK$2,548/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,704/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,107
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,604
−HK$1,520/mo
Today · 4.125%
HK$51,124
baseline
▲ 0.50% · 4.625%
HK$54,235
+HK$3,111/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,248/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,519
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,954
−HK$1,456/mo
Today · 4.125%
HK$56,410
baseline
▲ 0.50% · 4.625%
HK$59,384
+HK$2,974/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,820/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,852
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,776
−HK$1,955/mo
Today · 4.125%
HK$65,731
baseline
▲ 0.50% · 4.625%
HK$69,731
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,462/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,810
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,655
−HK$1,873/mo
Today · 4.125%
HK$72,528
baseline
▲ 0.50% · 4.625%
HK$76,351
+HK$3,823/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,056/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,108 · Scale 2, in force from 26 Feb 2026)