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$2,163/mo
▼ 0.25% · 3.875%
HK$35,577
−HK$1,090/mo
Today · 4.125%
HK$36,667
baseline
▲ 0.50% · 4.625%
HK$38,898
+HK$2,231/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,334/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,385
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,414
−HK$1,045/mo
Today · 4.125%
HK$40,459
baseline
▲ 0.50% · 4.625%
HK$42,591
+HK$2,132/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$567,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,404
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,692
−HK$1,309/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$567,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,062
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,297
−HK$1,254/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$567,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,305
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,808
−HK$1,526/mo
Today · 4.125%
HK$51,334
baseline
▲ 0.50% · 4.625%
HK$54,458
+HK$3,124/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,668/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,739
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,180
−HK$1,462/mo
Today · 4.125%
HK$56,642
baseline
▲ 0.50% · 4.625%
HK$59,628
+HK$2,986/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,284/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,107
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,039
−HK$1,962/mo
Today · 4.125%
HK$66,001
baseline
▲ 0.50% · 4.625%
HK$70,017
+HK$4,016/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,002/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,432 · 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$567,432 · Scale 2, in force from 26 Feb 2026)