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$34,501
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$35,574
−HK$1,090/mo
Today · 4.125%
HK$36,664
baseline
▲ 0.50% · 4.625%
HK$38,895
+HK$2,231/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,328/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,382
−HK$2,073/mo
▼ 0.25% · 3.875%
HK$39,411
−HK$1,044/mo
Today · 4.125%
HK$40,455
baseline
▲ 0.50% · 4.625%
HK$42,588
+HK$2,133/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,910/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,401
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,689
−HK$1,308/mo
Today · 4.125%
HK$43,997
baseline
▲ 0.50% · 4.625%
HK$46,674
+HK$2,677/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$87,994/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,058
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,293
−HK$1,253/mo
Today · 4.125%
HK$48,546
baseline
▲ 0.50% · 4.625%
HK$51,105
+HK$2,559/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,092/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,301
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,803
−HK$1,527/mo
Today · 4.125%
HK$51,330
baseline
▲ 0.50% · 4.625%
HK$54,453
+HK$3,123/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,660/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,734
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,175
−HK$1,462/mo
Today · 4.125%
HK$56,637
baseline
▲ 0.50% · 4.625%
HK$59,623
+HK$2,986/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,274/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,101
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,033
−HK$1,963/mo
Today · 4.125%
HK$65,996
baseline
▲ 0.50% · 4.625%
HK$70,011
+HK$4,015/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$131,992/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,087
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,940
−HK$1,880/mo
Today · 4.125%
HK$72,820
baseline
▲ 0.50% · 4.625%
HK$76,658
+HK$3,838/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,640/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,382 · Scale 2, in force from 26 Feb 2026)