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$34,382
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$35,451
−HK$1,087/mo
Today · 4.125%
HK$36,538
baseline
▲ 0.50% · 4.625%
HK$38,761
+HK$2,223/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$73,076/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,249
−HK$2,067/mo
▼ 0.25% · 3.875%
HK$39,275
−HK$1,041/mo
Today · 4.125%
HK$40,316
baseline
▲ 0.50% · 4.625%
HK$42,441
+HK$2,125/mo
Deposit HK$7.54M · loan HK$7.54M · min. income ≈ HK$80,632/mo (50% DSR)
Upfront cash ≈ HK$8.10M (deposit + AVD stamp duty HK$565,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,258
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$42,541
−HK$1,304/mo
Today · 4.125%
HK$43,845
baseline
▲ 0.50% · 4.625%
HK$46,513
+HK$2,668/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$87,690/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,899
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$47,130
−HK$1,249/mo
Today · 4.125%
HK$48,379
baseline
▲ 0.50% · 4.625%
HK$50,929
+HK$2,550/mo
Deposit HK$6.03M · loan HK$9.05M · min. income ≈ HK$96,758/mo (50% DSR)
Upfront cash ≈ HK$6.60M (deposit + AVD stamp duty HK$565,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,134
−HK$3,019/mo
▼ 0.25% · 3.875%
HK$49,632
−HK$1,521/mo
Today · 4.125%
HK$51,153
baseline
▲ 0.50% · 4.625%
HK$54,265
+HK$3,112/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$102,306/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,549
−HK$2,893/mo
▼ 0.25% · 3.875%
HK$54,985
−HK$1,457/mo
Today · 4.125%
HK$56,442
baseline
▲ 0.50% · 4.625%
HK$59,417
+HK$2,975/mo
Deposit HK$4.52M · loan HK$10.55M · min. income ≈ HK$112,884/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$565,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,887
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,812
−HK$1,956/mo
Today · 4.125%
HK$65,768
baseline
▲ 0.50% · 4.625%
HK$69,770
+HK$4,002/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$131,536/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,849
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,695
−HK$1,873/mo
Today · 4.125%
HK$72,568
baseline
▲ 0.50% · 4.625%
HK$76,394
+HK$3,826/mo
Deposit HK$1.51M · loan HK$13.57M · min. income ≈ HK$145,136/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$565,425 · Scale 2, in force from 26 Feb 2026)