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$34,357
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$35,426
−HK$1,085/mo
Today · 4.125%
HK$36,511
baseline
▲ 0.50% · 4.625%
HK$38,733
+HK$2,222/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$73,022/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,222
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,247
−HK$1,040/mo
Today · 4.125%
HK$40,287
baseline
▲ 0.50% · 4.625%
HK$42,410
+HK$2,123/mo
Deposit HK$7.53M · loan HK$7.53M · min. income ≈ HK$80,574/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,228
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,511
−HK$1,303/mo
Today · 4.125%
HK$43,814
baseline
▲ 0.50% · 4.625%
HK$46,480
+HK$2,666/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,628/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,866
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,096
−HK$1,248/mo
Today · 4.125%
HK$48,344
baseline
▲ 0.50% · 4.625%
HK$50,892
+HK$2,548/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,688/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,100
−HK$3,016/mo
▼ 0.25% · 3.875%
HK$49,596
−HK$1,520/mo
Today · 4.125%
HK$51,116
baseline
▲ 0.50% · 4.625%
HK$54,226
+HK$3,110/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,232/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,510
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,946
−HK$1,456/mo
Today · 4.125%
HK$56,402
baseline
▲ 0.50% · 4.625%
HK$59,375
+HK$2,973/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,804/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,843
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,766
−HK$1,955/mo
Today · 4.125%
HK$65,721
baseline
▲ 0.50% · 4.625%
HK$69,720
+HK$3,999/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,442/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,799
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,644
−HK$1,872/mo
Today · 4.125%
HK$72,516
baseline
▲ 0.50% · 4.625%
HK$76,339
+HK$3,823/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,032/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,019 · Scale 2, in force from 26 Feb 2026)