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$34,379
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,448
−HK$1,087/mo
Today · 4.125%
HK$36,535
baseline
▲ 0.50% · 4.625%
HK$38,758
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,070/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,246
−HK$2,066/mo
▼ 0.25% · 3.875%
HK$39,272
−HK$1,040/mo
Today · 4.125%
HK$40,312
baseline
▲ 0.50% · 4.625%
HK$42,437
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,624/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,254
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,538
−HK$1,303/mo
Today · 4.125%
HK$43,841
baseline
▲ 0.50% · 4.625%
HK$46,509
+HK$2,668/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,682/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,895
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,126
−HK$1,249/mo
Today · 4.125%
HK$48,375
baseline
▲ 0.50% · 4.625%
HK$50,925
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,750/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,130
−HK$3,018/mo
▼ 0.25% · 3.875%
HK$49,627
−HK$1,521/mo
Today · 4.125%
HK$51,148
baseline
▲ 0.50% · 4.625%
HK$54,261
+HK$3,113/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,296/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,544
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,980
−HK$1,457/mo
Today · 4.125%
HK$56,437
baseline
▲ 0.50% · 4.625%
HK$59,412
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,874/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,882
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,806
−HK$1,956/mo
Today · 4.125%
HK$65,762
baseline
▲ 0.50% · 4.625%
HK$69,764
+HK$4,002/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,524/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,843
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,689
−HK$1,873/mo
Today · 4.125%
HK$72,562
baseline
▲ 0.50% · 4.625%
HK$76,387
+HK$3,825/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,124/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,375 · Scale 2, in force from 26 Feb 2026)