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$34,519
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,593
−HK$1,091/mo
Today · 4.125%
HK$36,684
baseline
▲ 0.50% · 4.625%
HK$38,916
+HK$2,232/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,368/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,402
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,432
−HK$1,045/mo
Today · 4.125%
HK$40,477
baseline
▲ 0.50% · 4.625%
HK$42,611
+HK$2,134/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,954/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,423
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,712
−HK$1,309/mo
Today · 4.125%
HK$44,021
baseline
▲ 0.50% · 4.625%
HK$46,699
+HK$2,678/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$88,042/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,083
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,319
−HK$1,254/mo
Today · 4.125%
HK$48,573
baseline
▲ 0.50% · 4.625%
HK$51,133
+HK$2,560/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$97,146/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,327
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,830
−HK$1,527/mo
Today · 4.125%
HK$51,357
baseline
▲ 0.50% · 4.625%
HK$54,482
+HK$3,125/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,714/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,763
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,205
−HK$1,463/mo
Today · 4.125%
HK$56,668
baseline
▲ 0.50% · 4.625%
HK$59,655
+HK$2,987/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,336/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,135
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,067
−HK$1,964/mo
Today · 4.125%
HK$66,031
baseline
▲ 0.50% · 4.625%
HK$70,049
+HK$4,018/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,062/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,124
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,978
−HK$1,881/mo
Today · 4.125%
HK$72,859
baseline
▲ 0.50% · 4.625%
HK$76,699
+HK$3,840/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,718/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,688 · Scale 2, in force from 26 Feb 2026)