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$34,501
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,574
−HK$1,091/mo
Today · 4.125%
HK$36,665
baseline
▲ 0.50% · 4.625%
HK$38,896
+HK$2,231/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,330/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,382
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,412
−HK$1,044/mo
Today · 4.125%
HK$40,456
baseline
▲ 0.50% · 4.625%
HK$42,588
+HK$2,132/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,912/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,401
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,689
−HK$1,309/mo
Today · 4.125%
HK$43,998
baseline
▲ 0.50% · 4.625%
HK$46,675
+HK$2,677/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$87,996/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,059
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,294
−HK$1,253/mo
Today · 4.125%
HK$48,547
baseline
▲ 0.50% · 4.625%
HK$51,106
+HK$2,559/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,094/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,302
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,804
−HK$1,527/mo
Today · 4.125%
HK$51,331
baseline
▲ 0.50% · 4.625%
HK$54,454
+HK$3,123/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,662/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,735
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,176
−HK$1,462/mo
Today · 4.125%
HK$56,638
baseline
▲ 0.50% · 4.625%
HK$59,624
+HK$2,986/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,276/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,102
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,034
−HK$1,963/mo
Today · 4.125%
HK$65,997
baseline
▲ 0.50% · 4.625%
HK$70,012
+HK$4,015/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$131,994/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,088
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,941
−HK$1,880/mo
Today · 4.125%
HK$72,821
baseline
▲ 0.50% · 4.625%
HK$76,659
+HK$3,838/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,642/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,391 · Scale 2, in force from 26 Feb 2026)