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$34,377
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,446
−HK$1,086/mo
Today · 4.125%
HK$36,532
baseline
▲ 0.50% · 4.625%
HK$38,755
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,064/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,244
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,269
−HK$1,041/mo
Today · 4.125%
HK$40,310
baseline
▲ 0.50% · 4.625%
HK$42,435
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,620/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,252
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,535
−HK$1,304/mo
Today · 4.125%
HK$43,839
baseline
▲ 0.50% · 4.625%
HK$46,506
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,678/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,892
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,123
−HK$1,249/mo
Today · 4.125%
HK$48,372
baseline
▲ 0.50% · 4.625%
HK$50,921
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,744/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,127
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,624
−HK$1,521/mo
Today · 4.125%
HK$51,145
baseline
▲ 0.50% · 4.625%
HK$54,257
+HK$3,112/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,290/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,541
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,977
−HK$1,457/mo
Today · 4.125%
HK$56,434
baseline
▲ 0.50% · 4.625%
HK$59,408
+HK$2,974/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,868/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,878
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,803
−HK$1,955/mo
Today · 4.125%
HK$65,758
baseline
▲ 0.50% · 4.625%
HK$69,759
+HK$4,001/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,516/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,838
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,685
−HK$1,873/mo
Today · 4.125%
HK$72,558
baseline
▲ 0.50% · 4.625%
HK$76,382
+HK$3,824/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,116/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,341 · Scale 2, in force from 26 Feb 2026)