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$34,507
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,581
−HK$1,090/mo
Today · 4.125%
HK$36,671
baseline
▲ 0.50% · 4.625%
HK$38,902
+HK$2,231/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,342/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,389
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,418
−HK$1,045/mo
Today · 4.125%
HK$40,463
baseline
▲ 0.50% · 4.625%
HK$42,596
+HK$2,133/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,926/mo (50% DSR)
Upfront cash ≈ HK$8.13M (deposit + AVD stamp duty HK$567,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,409
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$42,697
−HK$1,308/mo
Today · 4.125%
HK$44,005
baseline
▲ 0.50% · 4.625%
HK$46,683
+HK$2,678/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$88,010/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,067
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$47,302
−HK$1,253/mo
Today · 4.125%
HK$48,555
baseline
▲ 0.50% · 4.625%
HK$51,115
+HK$2,560/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,110/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,310
−HK$3,029/mo
▼ 0.25% · 3.875%
HK$49,813
−HK$1,526/mo
Today · 4.125%
HK$51,339
baseline
▲ 0.50% · 4.625%
HK$54,463
+HK$3,124/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$102,678/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,744
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,186
−HK$1,462/mo
Today · 4.125%
HK$56,648
baseline
▲ 0.50% · 4.625%
HK$59,634
+HK$2,986/mo
Deposit HK$4.54M · loan HK$10.59M · min. income ≈ HK$113,296/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,113
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,045
−HK$1,963/mo
Today · 4.125%
HK$66,008
baseline
▲ 0.50% · 4.625%
HK$70,024
+HK$4,016/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,016/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,100
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,953
−HK$1,880/mo
Today · 4.125%
HK$72,833
baseline
▲ 0.50% · 4.625%
HK$76,672
+HK$3,839/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,666/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,489 · Scale 2, in force from 26 Feb 2026)