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$34,504
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,578
−HK$1,090/mo
Today · 4.125%
HK$36,668
baseline
▲ 0.50% · 4.625%
HK$38,899
+HK$2,231/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,336/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,386
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,415
−HK$1,045/mo
Today · 4.125%
HK$40,460
baseline
▲ 0.50% · 4.625%
HK$42,592
+HK$2,132/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,920/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,405
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,693
−HK$1,309/mo
Today · 4.125%
HK$44,002
baseline
▲ 0.50% · 4.625%
HK$46,679
+HK$2,677/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$88,004/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,063
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,298
−HK$1,253/mo
Today · 4.125%
HK$48,551
baseline
▲ 0.50% · 4.625%
HK$51,111
+HK$2,560/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,102/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,306
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,809
−HK$1,526/mo
Today · 4.125%
HK$51,335
baseline
▲ 0.50% · 4.625%
HK$54,459
+HK$3,124/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,670/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,740
−HK$2,903/mo
▼ 0.25% · 3.875%
HK$55,181
−HK$1,462/mo
Today · 4.125%
HK$56,643
baseline
▲ 0.50% · 4.625%
HK$59,629
+HK$2,986/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,286/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,108
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,040
−HK$1,962/mo
Today · 4.125%
HK$66,002
baseline
▲ 0.50% · 4.625%
HK$70,018
+HK$4,016/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,004/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,094
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,947
−HK$1,880/mo
Today · 4.125%
HK$72,827
baseline
▲ 0.50% · 4.625%
HK$76,666
+HK$3,839/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,654/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,441 · Scale 2, in force from 26 Feb 2026)