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$34,513
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,587
−HK$1,090/mo
Today · 4.125%
HK$36,677
baseline
▲ 0.50% · 4.625%
HK$38,909
+HK$2,232/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,354/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,395
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,425
−HK$1,045/mo
Today · 4.125%
HK$40,470
baseline
▲ 0.50% · 4.625%
HK$42,603
+HK$2,133/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,940/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,416
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,704
−HK$1,309/mo
Today · 4.125%
HK$44,013
baseline
▲ 0.50% · 4.625%
HK$46,691
+HK$2,678/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$88,026/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,074
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,310
−HK$1,254/mo
Today · 4.125%
HK$48,564
baseline
▲ 0.50% · 4.625%
HK$51,124
+HK$2,560/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,128/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,318
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,821
−HK$1,527/mo
Today · 4.125%
HK$51,348
baseline
▲ 0.50% · 4.625%
HK$54,473
+HK$3,125/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,696/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,754
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,195
−HK$1,463/mo
Today · 4.125%
HK$56,658
baseline
▲ 0.50% · 4.625%
HK$59,644
+HK$2,986/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,316/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,123
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,056
−HK$1,963/mo
Today · 4.125%
HK$66,019
baseline
▲ 0.50% · 4.625%
HK$70,036
+HK$4,017/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,038/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,112
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,965
−HK$1,881/mo
Today · 4.125%
HK$72,846
baseline
▲ 0.50% · 4.625%
HK$76,685
+HK$3,839/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,692/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,585 · Scale 2, in force from 26 Feb 2026)