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$34,514
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,588
−HK$1,090/mo
Today · 4.125%
HK$36,678
baseline
▲ 0.50% · 4.625%
HK$38,910
+HK$2,232/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,356/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,397
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,426
−HK$1,045/mo
Today · 4.125%
HK$40,471
baseline
▲ 0.50% · 4.625%
HK$42,604
+HK$2,133/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,942/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,417
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,705
−HK$1,309/mo
Today · 4.125%
HK$44,014
baseline
▲ 0.50% · 4.625%
HK$46,692
+HK$2,678/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$88,028/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,076
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,312
−HK$1,253/mo
Today · 4.125%
HK$48,565
baseline
▲ 0.50% · 4.625%
HK$51,125
+HK$2,560/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,130/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,320
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,823
−HK$1,527/mo
Today · 4.125%
HK$51,350
baseline
▲ 0.50% · 4.625%
HK$54,474
+HK$3,124/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,700/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,755
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,197
−HK$1,462/mo
Today · 4.125%
HK$56,659
baseline
▲ 0.50% · 4.625%
HK$59,646
+HK$2,987/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,318/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,125
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,058
−HK$1,963/mo
Today · 4.125%
HK$66,021
baseline
▲ 0.50% · 4.625%
HK$70,038
+HK$4,017/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,042/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,114
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,967
−HK$1,881/mo
Today · 4.125%
HK$72,848
baseline
▲ 0.50% · 4.625%
HK$76,688
+HK$3,840/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,696/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,603 · Scale 2, in force from 26 Feb 2026)