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$34,521
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,595
−HK$1,091/mo
Today · 4.125%
HK$36,686
baseline
▲ 0.50% · 4.625%
HK$38,918
+HK$2,232/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,372/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,404
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,434
−HK$1,045/mo
Today · 4.125%
HK$40,479
baseline
▲ 0.50% · 4.625%
HK$42,613
+HK$2,134/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,958/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,425
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,714
−HK$1,309/mo
Today · 4.125%
HK$44,023
baseline
▲ 0.50% · 4.625%
HK$46,702
+HK$2,679/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$88,046/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,085
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,321
−HK$1,254/mo
Today · 4.125%
HK$48,575
baseline
▲ 0.50% · 4.625%
HK$51,136
+HK$2,561/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$97,150/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,330
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,833
−HK$1,527/mo
Today · 4.125%
HK$51,360
baseline
▲ 0.50% · 4.625%
HK$54,485
+HK$3,125/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,720/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,766
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,208
−HK$1,463/mo
Today · 4.125%
HK$56,671
baseline
▲ 0.50% · 4.625%
HK$59,658
+HK$2,987/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,342/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,138
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,071
−HK$1,964/mo
Today · 4.125%
HK$66,035
baseline
▲ 0.50% · 4.625%
HK$70,053
+HK$4,018/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,070/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,128
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,982
−HK$1,881/mo
Today · 4.125%
HK$72,863
baseline
▲ 0.50% · 4.625%
HK$76,703
+HK$3,840/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,726/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,719 · Scale 2, in force from 26 Feb 2026)