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$34,364
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,433
−HK$1,086/mo
Today · 4.125%
HK$36,519
baseline
▲ 0.50% · 4.625%
HK$38,742
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,038/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,230
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,255
−HK$1,041/mo
Today · 4.125%
HK$40,296
baseline
▲ 0.50% · 4.625%
HK$42,420
+HK$2,124/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,592/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,237
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,520
−HK$1,303/mo
Today · 4.125%
HK$43,823
baseline
▲ 0.50% · 4.625%
HK$46,490
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,646/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,876
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,106
−HK$1,249/mo
Today · 4.125%
HK$48,355
baseline
▲ 0.50% · 4.625%
HK$50,903
+HK$2,548/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,710/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,110
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,607
−HK$1,520/mo
Today · 4.125%
HK$51,127
baseline
▲ 0.50% · 4.625%
HK$54,238
+HK$3,111/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,254/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,522
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,958
−HK$1,456/mo
Today · 4.125%
HK$56,414
baseline
▲ 0.50% · 4.625%
HK$59,387
+HK$2,973/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,828/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,856
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,780
−HK$1,955/mo
Today · 4.125%
HK$65,735
baseline
▲ 0.50% · 4.625%
HK$69,735
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,470/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,814
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,660
−HK$1,872/mo
Today · 4.125%
HK$72,532
baseline
▲ 0.50% · 4.625%
HK$76,355
+HK$3,823/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,064/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,142 · Scale 2, in force from 26 Feb 2026)