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$34,513
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,587
−HK$1,091/mo
Today · 4.125%
HK$36,678
baseline
▲ 0.50% · 4.625%
HK$38,909
+HK$2,231/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,356/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,396
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,426
−HK$1,044/mo
Today · 4.125%
HK$40,470
baseline
▲ 0.50% · 4.625%
HK$42,603
+HK$2,133/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,940/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,416
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,704
−HK$1,309/mo
Today · 4.125%
HK$44,013
baseline
▲ 0.50% · 4.625%
HK$46,691
+HK$2,678/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$88,026/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,075
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,311
−HK$1,253/mo
Today · 4.125%
HK$48,564
baseline
▲ 0.50% · 4.625%
HK$51,124
+HK$2,560/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,128/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,319
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,822
−HK$1,527/mo
Today · 4.125%
HK$51,349
baseline
▲ 0.50% · 4.625%
HK$54,473
+HK$3,124/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,698/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,754
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,196
−HK$1,462/mo
Today · 4.125%
HK$56,658
baseline
▲ 0.50% · 4.625%
HK$59,645
+HK$2,987/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,316/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,124
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,056
−HK$1,964/mo
Today · 4.125%
HK$66,020
baseline
▲ 0.50% · 4.625%
HK$70,037
+HK$4,017/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,040/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,112
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,966
−HK$1,880/mo
Today · 4.125%
HK$72,846
baseline
▲ 0.50% · 4.625%
HK$76,686
+HK$3,840/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,692/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,590 · Scale 2, in force from 26 Feb 2026)