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$34,404
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$35,474
−HK$1,087/mo
Today · 4.125%
HK$36,561
baseline
▲ 0.50% · 4.625%
HK$38,786
+HK$2,225/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,122/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,274
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,300
−HK$1,041/mo
Today · 4.125%
HK$40,341
baseline
▲ 0.50% · 4.625%
HK$42,468
+HK$2,127/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,682/mo (50% DSR)
Upfront cash ≈ HK$8.11M (deposit + AVD stamp duty HK$565,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,284
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$42,568
−HK$1,305/mo
Today · 4.125%
HK$43,873
baseline
▲ 0.50% · 4.625%
HK$46,543
+HK$2,670/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$87,746/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,928
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$47,160
−HK$1,250/mo
Today · 4.125%
HK$48,410
baseline
▲ 0.50% · 4.625%
HK$50,961
+HK$2,551/mo
Deposit HK$6.04M · loan HK$9.05M · min. income ≈ HK$96,820/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,165
−HK$3,020/mo
▼ 0.25% · 3.875%
HK$49,663
−HK$1,522/mo
Today · 4.125%
HK$51,185
baseline
▲ 0.50% · 4.625%
HK$54,300
+HK$3,115/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$102,370/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,583
−HK$2,895/mo
▼ 0.25% · 3.875%
HK$55,020
−HK$1,458/mo
Today · 4.125%
HK$56,478
baseline
▲ 0.50% · 4.625%
HK$59,455
+HK$2,977/mo
Deposit HK$4.53M · loan HK$10.56M · min. income ≈ HK$112,956/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,926
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,853
−HK$1,957/mo
Today · 4.125%
HK$65,810
baseline
▲ 0.50% · 4.625%
HK$69,814
+HK$4,004/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$131,620/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,893
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,740
−HK$1,875/mo
Today · 4.125%
HK$72,615
baseline
▲ 0.50% · 4.625%
HK$76,442
+HK$3,827/mo
Deposit HK$1.51M · loan HK$13.58M · min. income ≈ HK$145,230/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,785 · Scale 2, in force from 26 Feb 2026)