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$34,530
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,604
−HK$1,092/mo
Today · 4.125%
HK$36,696
baseline
▲ 0.50% · 4.625%
HK$38,929
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,392/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,415
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,445
−HK$1,045/mo
Today · 4.125%
HK$40,490
baseline
▲ 0.50% · 4.625%
HK$42,624
+HK$2,134/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,980/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,436
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,725
−HK$1,310/mo
Today · 4.125%
HK$44,035
baseline
▲ 0.50% · 4.625%
HK$46,714
+HK$2,679/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,070/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$567,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,098
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,334
−HK$1,254/mo
Today · 4.125%
HK$48,588
baseline
▲ 0.50% · 4.625%
HK$51,149
+HK$2,561/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,176/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$567,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,343
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,846
−HK$1,528/mo
Today · 4.125%
HK$51,374
baseline
▲ 0.50% · 4.625%
HK$54,500
+HK$3,126/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,748/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,781
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,223
−HK$1,463/mo
Today · 4.125%
HK$56,686
baseline
▲ 0.50% · 4.625%
HK$59,674
+HK$2,988/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,372/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,155
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,088
−HK$1,964/mo
Today · 4.125%
HK$66,052
baseline
▲ 0.50% · 4.625%
HK$70,071
+HK$4,019/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,104/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,146
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,001
−HK$1,881/mo
Today · 4.125%
HK$72,882
baseline
▲ 0.50% · 4.625%
HK$76,724
+HK$3,842/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,764/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,870 · Scale 2, in force from 26 Feb 2026)