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$34,367
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$35,436
−HK$1,086/mo
Today · 4.125%
HK$36,522
baseline
▲ 0.50% · 4.625%
HK$38,744
+HK$2,222/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,044/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,233
−HK$2,065/mo
▼ 0.25% · 3.875%
HK$39,258
−HK$1,040/mo
Today · 4.125%
HK$40,298
baseline
▲ 0.50% · 4.625%
HK$42,422
+HK$2,124/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,596/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,240
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$42,523
−HK$1,303/mo
Today · 4.125%
HK$43,826
baseline
▲ 0.50% · 4.625%
HK$46,493
+HK$2,667/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$87,652/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,879
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$47,109
−HK$1,249/mo
Today · 4.125%
HK$48,358
baseline
▲ 0.50% · 4.625%
HK$50,907
+HK$2,549/mo
Deposit HK$6.03M · loan HK$9.04M · min. income ≈ HK$96,716/mo (50% DSR)
Upfront cash ≈ HK$6.59M (deposit + AVD stamp duty HK$565,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,113
−HK$3,017/mo
▼ 0.25% · 3.875%
HK$49,610
−HK$1,520/mo
Today · 4.125%
HK$51,130
baseline
▲ 0.50% · 4.625%
HK$54,242
+HK$3,112/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,260/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,526
−HK$2,891/mo
▼ 0.25% · 3.875%
HK$54,961
−HK$1,456/mo
Today · 4.125%
HK$56,417
baseline
▲ 0.50% · 4.625%
HK$59,391
+HK$2,974/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,834/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,860
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,784
−HK$1,955/mo
Today · 4.125%
HK$65,739
baseline
▲ 0.50% · 4.625%
HK$69,739
+HK$4,000/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$131,478/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,819
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,664
−HK$1,873/mo
Today · 4.125%
HK$72,537
baseline
▲ 0.50% · 4.625%
HK$76,360
+HK$3,823/mo
Deposit HK$1.51M · loan HK$13.56M · min. income ≈ HK$145,074/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,177 · Scale 2, in force from 26 Feb 2026)