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$34,368
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,437
−HK$1,086/mo
Today · 4.125%
HK$36,523
baseline
▲ 0.50% · 4.625%
HK$38,746
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,046/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,234
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,260
−HK$1,040/mo
Today · 4.125%
HK$40,300
baseline
▲ 0.50% · 4.625%
HK$42,424
+HK$2,124/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,600/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,242
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,525
−HK$1,303/mo
Today · 4.125%
HK$43,828
baseline
▲ 0.50% · 4.625%
HK$46,495
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,656/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,881
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,112
−HK$1,248/mo
Today · 4.125%
HK$48,360
baseline
▲ 0.50% · 4.625%
HK$50,909
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,720/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,115
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,612
−HK$1,521/mo
Today · 4.125%
HK$51,133
baseline
▲ 0.50% · 4.625%
HK$54,244
+HK$3,111/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,266/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,528
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,964
−HK$1,456/mo
Today · 4.125%
HK$56,420
baseline
▲ 0.50% · 4.625%
HK$59,394
+HK$2,974/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,840/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,863
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,787
−HK$1,955/mo
Today · 4.125%
HK$65,742
baseline
▲ 0.50% · 4.625%
HK$69,742
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,484/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,822
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,667
−HK$1,873/mo
Today · 4.125%
HK$72,540
baseline
▲ 0.50% · 4.625%
HK$76,364
+HK$3,824/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,080/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,203 · Scale 2, in force from 26 Feb 2026)