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$34,538
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,612
−HK$1,092/mo
Today · 4.125%
HK$36,704
baseline
▲ 0.50% · 4.625%
HK$38,937
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,408/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,423
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,454
−HK$1,045/mo
Today · 4.125%
HK$40,499
baseline
▲ 0.50% · 4.625%
HK$42,634
+HK$2,135/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,998/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,446
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,735
−HK$1,310/mo
Today · 4.125%
HK$44,045
baseline
▲ 0.50% · 4.625%
HK$46,725
+HK$2,680/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,090/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$567,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,108
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,345
−HK$1,254/mo
Today · 4.125%
HK$48,599
baseline
▲ 0.50% · 4.625%
HK$51,161
+HK$2,562/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,198/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$567,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,353
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,857
−HK$1,529/mo
Today · 4.125%
HK$51,386
baseline
▲ 0.50% · 4.625%
HK$54,512
+HK$3,126/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,772/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,793
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,235
−HK$1,464/mo
Today · 4.125%
HK$56,699
baseline
▲ 0.50% · 4.625%
HK$59,688
+HK$2,989/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,398/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,169
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,102
−HK$1,965/mo
Today · 4.125%
HK$66,067
baseline
▲ 0.50% · 4.625%
HK$70,087
+HK$4,020/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,134/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,162
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,017
−HK$1,882/mo
Today · 4.125%
HK$72,899
baseline
▲ 0.50% · 4.625%
HK$76,741
+HK$3,842/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,798/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,998 · Scale 2, in force from 26 Feb 2026)