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$34,537
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,611
−HK$1,092/mo
Today · 4.125%
HK$36,703
baseline
▲ 0.50% · 4.625%
HK$38,936
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,406/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,422
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,452
−HK$1,046/mo
Today · 4.125%
HK$40,498
baseline
▲ 0.50% · 4.625%
HK$42,632
+HK$2,134/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,996/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,444
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,733
−HK$1,310/mo
Today · 4.125%
HK$44,043
baseline
▲ 0.50% · 4.625%
HK$46,723
+HK$2,680/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,086/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$567,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,106
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,343
−HK$1,254/mo
Today · 4.125%
HK$48,597
baseline
▲ 0.50% · 4.625%
HK$51,159
+HK$2,562/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,194/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$567,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,352
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,856
−HK$1,528/mo
Today · 4.125%
HK$51,384
baseline
▲ 0.50% · 4.625%
HK$54,510
+HK$3,126/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,768/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,791
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,233
−HK$1,464/mo
Today · 4.125%
HK$56,697
baseline
▲ 0.50% · 4.625%
HK$59,685
+HK$2,988/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,394/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,166
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,100
−HK$1,965/mo
Today · 4.125%
HK$66,065
baseline
▲ 0.50% · 4.625%
HK$70,085
+HK$4,020/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,130/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,159
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,014
−HK$1,882/mo
Today · 4.125%
HK$72,896
baseline
▲ 0.50% · 4.625%
HK$76,738
+HK$3,842/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,792/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,977 · Scale 2, in force from 26 Feb 2026)