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$34,523
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,597
−HK$1,091/mo
Today · 4.125%
HK$36,688
baseline
▲ 0.50% · 4.625%
HK$38,920
+HK$2,232/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,376/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,406
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,436
−HK$1,045/mo
Today · 4.125%
HK$40,481
baseline
▲ 0.50% · 4.625%
HK$42,615
+HK$2,134/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,962/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,427
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,716
−HK$1,309/mo
Today · 4.125%
HK$44,025
baseline
▲ 0.50% · 4.625%
HK$46,704
+HK$2,679/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$88,050/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,087
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,324
−HK$1,253/mo
Today · 4.125%
HK$48,577
baseline
▲ 0.50% · 4.625%
HK$51,138
+HK$2,561/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$97,154/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,332
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,835
−HK$1,528/mo
Today · 4.125%
HK$51,363
baseline
▲ 0.50% · 4.625%
HK$54,488
+HK$3,125/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,726/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,769
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,211
−HK$1,463/mo
Today · 4.125%
HK$56,674
baseline
▲ 0.50% · 4.625%
HK$59,661
+HK$2,987/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,348/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,141
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,074
−HK$1,964/mo
Today · 4.125%
HK$66,038
baseline
▲ 0.50% · 4.625%
HK$70,056
+HK$4,018/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,076/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,131
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,985
−HK$1,881/mo
Today · 4.125%
HK$72,866
baseline
▲ 0.50% · 4.625%
HK$76,707
+HK$3,841/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,732/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,745 · Scale 2, in force from 26 Feb 2026)