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$34,524
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,598
−HK$1,091/mo
Today · 4.125%
HK$36,689
baseline
▲ 0.50% · 4.625%
HK$38,922
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,378/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,408
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,438
−HK$1,045/mo
Today · 4.125%
HK$40,483
baseline
▲ 0.50% · 4.625%
HK$42,617
+HK$2,134/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,966/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,429
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,718
−HK$1,309/mo
Today · 4.125%
HK$44,027
baseline
▲ 0.50% · 4.625%
HK$46,706
+HK$2,679/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$88,054/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,090
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,326
−HK$1,254/mo
Today · 4.125%
HK$48,580
baseline
▲ 0.50% · 4.625%
HK$51,140
+HK$2,560/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$97,160/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,334
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,837
−HK$1,528/mo
Today · 4.125%
HK$51,365
baseline
▲ 0.50% · 4.625%
HK$54,490
+HK$3,125/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,730/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,771
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,213
−HK$1,463/mo
Today · 4.125%
HK$56,676
baseline
▲ 0.50% · 4.625%
HK$59,664
+HK$2,988/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,352/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,144
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,077
−HK$1,964/mo
Today · 4.125%
HK$66,041
baseline
▲ 0.50% · 4.625%
HK$70,059
+HK$4,018/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,082/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,134
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,988
−HK$1,881/mo
Today · 4.125%
HK$72,869
baseline
▲ 0.50% · 4.625%
HK$76,710
+HK$3,841/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,738/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,771 · Scale 2, in force from 26 Feb 2026)