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$34,504
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,577
−HK$1,091/mo
Today · 4.125%
HK$36,668
baseline
▲ 0.50% · 4.625%
HK$38,899
+HK$2,231/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,336/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,385
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,415
−HK$1,044/mo
Today · 4.125%
HK$40,459
baseline
▲ 0.50% · 4.625%
HK$42,592
+HK$2,133/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,918/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,405
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,693
−HK$1,308/mo
Today · 4.125%
HK$44,001
baseline
▲ 0.50% · 4.625%
HK$46,678
+HK$2,677/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$88,002/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,062
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,298
−HK$1,253/mo
Today · 4.125%
HK$48,551
baseline
▲ 0.50% · 4.625%
HK$51,110
+HK$2,559/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,102/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,305
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,808
−HK$1,527/mo
Today · 4.125%
HK$51,335
baseline
▲ 0.50% · 4.625%
HK$54,458
+HK$3,123/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,670/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,739
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,180
−HK$1,463/mo
Today · 4.125%
HK$56,643
baseline
▲ 0.50% · 4.625%
HK$59,628
+HK$2,985/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,286/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,107
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,039
−HK$1,963/mo
Today · 4.125%
HK$66,002
baseline
▲ 0.50% · 4.625%
HK$70,018
+HK$4,016/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,004/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,093
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,946
−HK$1,880/mo
Today · 4.125%
HK$72,826
baseline
▲ 0.50% · 4.625%
HK$76,665
+HK$3,839/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,652/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,434 · Scale 2, in force from 26 Feb 2026)