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$34,527
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,601
−HK$1,091/mo
Today · 4.125%
HK$36,692
baseline
▲ 0.50% · 4.625%
HK$38,925
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,384/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,411
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,441
−HK$1,045/mo
Today · 4.125%
HK$40,486
baseline
▲ 0.50% · 4.625%
HK$42,620
+HK$2,134/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,972/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,432
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,721
−HK$1,310/mo
Today · 4.125%
HK$44,031
baseline
▲ 0.50% · 4.625%
HK$46,710
+HK$2,679/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,062/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,093
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,329
−HK$1,254/mo
Today · 4.125%
HK$48,583
baseline
▲ 0.50% · 4.625%
HK$51,144
+HK$2,561/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,166/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,338
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,841
−HK$1,528/mo
Today · 4.125%
HK$51,369
baseline
▲ 0.50% · 4.625%
HK$54,495
+HK$3,126/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,738/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,775
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,218
−HK$1,463/mo
Today · 4.125%
HK$56,681
baseline
▲ 0.50% · 4.625%
HK$59,668
+HK$2,987/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,362/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,149
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,082
−HK$1,964/mo
Today · 4.125%
HK$66,046
baseline
▲ 0.50% · 4.625%
HK$70,065
+HK$4,019/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,092/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,140
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,994
−HK$1,881/mo
Today · 4.125%
HK$72,875
baseline
▲ 0.50% · 4.625%
HK$76,716
+HK$3,841/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,750/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,815 · Scale 2, in force from 26 Feb 2026)