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$34,390
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,460
−HK$1,087/mo
Today · 4.125%
HK$36,547
baseline
▲ 0.50% · 4.625%
HK$38,770
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,094/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,259
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,285
−HK$1,041/mo
Today · 4.125%
HK$40,326
baseline
▲ 0.50% · 4.625%
HK$42,451
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,652/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,268
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$42,552
−HK$1,304/mo
Today · 4.125%
HK$43,856
baseline
▲ 0.50% · 4.625%
HK$46,524
+HK$2,668/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,712/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,910
−HK$2,481/mo
▼ 0.25% · 3.875%
HK$47,142
−HK$1,249/mo
Today · 4.125%
HK$48,391
baseline
▲ 0.50% · 4.625%
HK$50,941
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,782/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,146
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,644
−HK$1,521/mo
Today · 4.125%
HK$51,165
baseline
▲ 0.50% · 4.625%
HK$54,279
+HK$3,114/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$102,330/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,562
−HK$2,894/mo
▼ 0.25% · 3.875%
HK$54,999
−HK$1,457/mo
Today · 4.125%
HK$56,456
baseline
▲ 0.50% · 4.625%
HK$59,432
+HK$2,976/mo
Deposit HK$4.52M · loan HK$10.56M · min. income ≈ HK$112,912/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,902
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,828
−HK$1,956/mo
Today · 4.125%
HK$65,784
baseline
▲ 0.50% · 4.625%
HK$69,787
+HK$4,003/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,568/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,865
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,712
−HK$1,874/mo
Today · 4.125%
HK$72,586
baseline
▲ 0.50% · 4.625%
HK$76,412
+HK$3,826/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,172/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,563 · Scale 2, in force from 26 Feb 2026)