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$34,378
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,447
−HK$1,086/mo
Today · 4.125%
HK$36,533
baseline
▲ 0.50% · 4.625%
HK$38,756
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,066/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,245
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,270
−HK$1,041/mo
Today · 4.125%
HK$40,311
baseline
▲ 0.50% · 4.625%
HK$42,436
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,622/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,253
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,536
−HK$1,304/mo
Today · 4.125%
HK$43,840
baseline
▲ 0.50% · 4.625%
HK$46,508
+HK$2,668/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,680/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,894
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,125
−HK$1,248/mo
Today · 4.125%
HK$48,373
baseline
▲ 0.50% · 4.625%
HK$50,923
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,746/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,129
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,626
−HK$1,521/mo
Today · 4.125%
HK$51,147
baseline
▲ 0.50% · 4.625%
HK$54,259
+HK$3,112/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,294/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,543
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,979
−HK$1,456/mo
Today · 4.125%
HK$56,435
baseline
▲ 0.50% · 4.625%
HK$59,410
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,870/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,880
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,805
−HK$1,955/mo
Today · 4.125%
HK$65,760
baseline
▲ 0.50% · 4.625%
HK$69,761
+HK$4,001/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,520/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,841
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,687
−HK$1,873/mo
Today · 4.125%
HK$72,560
baseline
▲ 0.50% · 4.625%
HK$76,385
+HK$3,825/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,120/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,358 · Scale 2, in force from 26 Feb 2026)