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$34,519
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,593
−HK$1,090/mo
Today · 4.125%
HK$36,683
baseline
▲ 0.50% · 4.625%
HK$38,916
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,366/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,402
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,432
−HK$1,045/mo
Today · 4.125%
HK$40,477
baseline
▲ 0.50% · 4.625%
HK$42,610
+HK$2,133/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,954/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,423
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,711
−HK$1,309/mo
Today · 4.125%
HK$44,020
baseline
▲ 0.50% · 4.625%
HK$46,699
+HK$2,679/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$88,040/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,082
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,318
−HK$1,254/mo
Today · 4.125%
HK$48,572
baseline
▲ 0.50% · 4.625%
HK$51,132
+HK$2,560/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$97,144/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,326
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,830
−HK$1,527/mo
Today · 4.125%
HK$51,357
baseline
▲ 0.50% · 4.625%
HK$54,482
+HK$3,125/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,714/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,763
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,204
−HK$1,463/mo
Today · 4.125%
HK$56,667
baseline
▲ 0.50% · 4.625%
HK$59,654
+HK$2,987/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,334/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,134
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,067
−HK$1,963/mo
Today · 4.125%
HK$66,030
baseline
▲ 0.50% · 4.625%
HK$70,048
+HK$4,018/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,060/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,123
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,977
−HK$1,881/mo
Today · 4.125%
HK$72,858
baseline
▲ 0.50% · 4.625%
HK$76,698
+HK$3,840/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,716/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,681 · Scale 2, in force from 26 Feb 2026)