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$34,511
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,584
−HK$1,091/mo
Today · 4.125%
HK$36,675
baseline
▲ 0.50% · 4.625%
HK$38,907
+HK$2,232/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,350/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,393
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,423
−HK$1,044/mo
Today · 4.125%
HK$40,467
baseline
▲ 0.50% · 4.625%
HK$42,600
+HK$2,133/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,934/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,413
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,701
−HK$1,309/mo
Today · 4.125%
HK$44,010
baseline
▲ 0.50% · 4.625%
HK$46,688
+HK$2,678/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$88,020/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,072
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,307
−HK$1,254/mo
Today · 4.125%
HK$48,561
baseline
▲ 0.50% · 4.625%
HK$51,120
+HK$2,559/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,122/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,315
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,818
−HK$1,527/mo
Today · 4.125%
HK$51,345
baseline
▲ 0.50% · 4.625%
HK$54,469
+HK$3,124/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,690/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,750
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,192
−HK$1,462/mo
Today · 4.125%
HK$56,654
baseline
▲ 0.50% · 4.625%
HK$59,641
+HK$2,987/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,308/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,120
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,052
−HK$1,963/mo
Today · 4.125%
HK$66,015
baseline
▲ 0.50% · 4.625%
HK$70,032
+HK$4,017/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,030/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,107
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,961
−HK$1,880/mo
Today · 4.125%
HK$72,841
baseline
▲ 0.50% · 4.625%
HK$76,681
+HK$3,840/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,682/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,550 · Scale 2, in force from 26 Feb 2026)