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$34,518
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,592
−HK$1,091/mo
Today · 4.125%
HK$36,683
baseline
▲ 0.50% · 4.625%
HK$38,915
+HK$2,232/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,366/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,401
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,431
−HK$1,045/mo
Today · 4.125%
HK$40,476
baseline
▲ 0.50% · 4.625%
HK$42,609
+HK$2,133/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,952/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,422
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,710
−HK$1,309/mo
Today · 4.125%
HK$44,019
baseline
▲ 0.50% · 4.625%
HK$46,698
+HK$2,679/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$88,038/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,081
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,317
−HK$1,254/mo
Today · 4.125%
HK$48,571
baseline
▲ 0.50% · 4.625%
HK$51,131
+HK$2,560/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$97,142/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,325
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,829
−HK$1,527/mo
Today · 4.125%
HK$51,356
baseline
▲ 0.50% · 4.625%
HK$54,481
+HK$3,125/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,712/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,761
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,203
−HK$1,463/mo
Today · 4.125%
HK$56,666
baseline
▲ 0.50% · 4.625%
HK$59,653
+HK$2,987/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,332/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,133
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,065
−HK$1,964/mo
Today · 4.125%
HK$66,029
baseline
▲ 0.50% · 4.625%
HK$70,047
+HK$4,018/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,058/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,122
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,976
−HK$1,880/mo
Today · 4.125%
HK$72,856
baseline
▲ 0.50% · 4.625%
HK$76,697
+HK$3,841/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,712/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,669 · Scale 2, in force from 26 Feb 2026)