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$34,394
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,464
−HK$1,087/mo
Today · 4.125%
HK$36,551
baseline
▲ 0.50% · 4.625%
HK$38,775
+HK$2,224/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,102/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,263
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,289
−HK$1,041/mo
Today · 4.125%
HK$40,330
baseline
▲ 0.50% · 4.625%
HK$42,456
+HK$2,126/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,660/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,273
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,557
−HK$1,304/mo
Today · 4.125%
HK$43,861
baseline
▲ 0.50% · 4.625%
HK$46,530
+HK$2,669/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,722/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,916
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,147
−HK$1,249/mo
Today · 4.125%
HK$48,396
baseline
▲ 0.50% · 4.625%
HK$50,948
+HK$2,552/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,792/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,152
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,650
−HK$1,521/mo
Today · 4.125%
HK$51,171
baseline
▲ 0.50% · 4.625%
HK$54,285
+HK$3,114/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,342/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,568
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,005
−HK$1,458/mo
Today · 4.125%
HK$56,463
baseline
▲ 0.50% · 4.625%
HK$59,439
+HK$2,976/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,926/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,909
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,835
−HK$1,957/mo
Today · 4.125%
HK$65,792
baseline
▲ 0.50% · 4.625%
HK$69,795
+HK$4,003/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,584/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,874
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,721
−HK$1,874/mo
Today · 4.125%
HK$72,595
baseline
▲ 0.50% · 4.625%
HK$76,421
+HK$3,826/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,190/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,630 · Scale 2, in force from 26 Feb 2026)