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$34,545
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,619
−HK$1,092/mo
Today · 4.125%
HK$36,711
baseline
▲ 0.50% · 4.625%
HK$38,945
+HK$2,234/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,422/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,431
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,461
−HK$1,046/mo
Today · 4.125%
HK$40,507
baseline
▲ 0.50% · 4.625%
HK$42,642
+HK$2,135/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$81,014/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,454
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,743
−HK$1,310/mo
Today · 4.125%
HK$44,053
baseline
▲ 0.50% · 4.625%
HK$46,734
+HK$2,681/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,106/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,117
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,354
−HK$1,254/mo
Today · 4.125%
HK$48,608
baseline
▲ 0.50% · 4.625%
HK$51,170
+HK$2,562/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,216/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,363
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,867
−HK$1,528/mo
Today · 4.125%
HK$51,395
baseline
▲ 0.50% · 4.625%
HK$54,523
+HK$3,128/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,790/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,803
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,246
−HK$1,464/mo
Today · 4.125%
HK$56,710
baseline
▲ 0.50% · 4.625%
HK$59,699
+HK$2,989/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,420/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,180
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,115
−HK$1,965/mo
Today · 4.125%
HK$66,080
baseline
▲ 0.50% · 4.625%
HK$70,100
+HK$4,020/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,160/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,175
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,030
−HK$1,882/mo
Today · 4.125%
HK$72,912
baseline
▲ 0.50% · 4.625%
HK$76,756
+HK$3,844/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,824/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,105 · Scale 2, in force from 26 Feb 2026)