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$2,156/mo
▼ 0.25% · 3.875%
HK$35,446
−HK$1,087/mo
Today · 4.125%
HK$36,533
baseline
▲ 0.50% · 4.625%
HK$38,756
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,066/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,244
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,270
−HK$1,040/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$565,346 · 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$46,507
+HK$2,668/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$565,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,893
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,124
−HK$1,248/mo
Today · 4.125%
HK$48,372
baseline
▲ 0.50% · 4.625%
HK$50,922
+HK$2,550/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$565,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,128
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,625
−HK$1,521/mo
Today · 4.125%
HK$51,146
baseline
▲ 0.50% · 4.625%
HK$54,258
+HK$3,112/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,292/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,542
−HK$2,892/mo
▼ 0.25% · 3.875%
HK$54,977
−HK$1,457/mo
Today · 4.125%
HK$56,434
baseline
▲ 0.50% · 4.625%
HK$59,409
+HK$2,975/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$565,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,878
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,803
−HK$1,956/mo
Today · 4.125%
HK$65,759
baseline
▲ 0.50% · 4.625%
HK$69,760
+HK$4,001/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,518/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,839
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,685
−HK$1,873/mo
Today · 4.125%
HK$72,558
baseline
▲ 0.50% · 4.625%
HK$76,383
+HK$3,825/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$565,346 · Scale 2, in force from 26 Feb 2026)