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$34,528
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,602
−HK$1,091/mo
Today · 4.125%
HK$36,693
baseline
▲ 0.50% · 4.625%
HK$38,926
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,386/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,412
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,442
−HK$1,046/mo
Today · 4.125%
HK$40,488
baseline
▲ 0.50% · 4.625%
HK$42,622
+HK$2,134/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,976/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,434
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,723
−HK$1,309/mo
Today · 4.125%
HK$44,032
baseline
▲ 0.50% · 4.625%
HK$46,711
+HK$2,679/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,064/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,095
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,331
−HK$1,254/mo
Today · 4.125%
HK$48,585
baseline
▲ 0.50% · 4.625%
HK$51,146
+HK$2,561/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,170/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,339
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,843
−HK$1,528/mo
Today · 4.125%
HK$51,371
baseline
▲ 0.50% · 4.625%
HK$54,497
+HK$3,126/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,742/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,777
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,219
−HK$1,464/mo
Today · 4.125%
HK$56,683
baseline
▲ 0.50% · 4.625%
HK$59,670
+HK$2,987/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,366/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,151
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,084
−HK$1,964/mo
Today · 4.125%
HK$66,048
baseline
▲ 0.50% · 4.625%
HK$70,067
+HK$4,019/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,096/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,142
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$70,996
−HK$1,882/mo
Today · 4.125%
HK$72,878
baseline
▲ 0.50% · 4.625%
HK$76,719
+HK$3,841/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,756/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,834 · Scale 2, in force from 26 Feb 2026)