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$34,516
−HK$2,164/mo
▼ 0.25% · 3.875%
HK$35,589
−HK$1,091/mo
Today · 4.125%
HK$36,680
baseline
▲ 0.50% · 4.625%
HK$38,912
+HK$2,232/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,360/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,398
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,428
−HK$1,045/mo
Today · 4.125%
HK$40,473
baseline
▲ 0.50% · 4.625%
HK$42,606
+HK$2,133/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,946/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,419
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$42,707
−HK$1,309/mo
Today · 4.125%
HK$44,016
baseline
▲ 0.50% · 4.625%
HK$46,694
+HK$2,678/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$88,032/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,078
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$47,314
−HK$1,253/mo
Today · 4.125%
HK$48,567
baseline
▲ 0.50% · 4.625%
HK$51,127
+HK$2,560/mo
Deposit HK$6.05M · loan HK$9.08M · min. income ≈ HK$97,134/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,322
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,825
−HK$1,527/mo
Today · 4.125%
HK$51,352
baseline
▲ 0.50% · 4.625%
HK$54,477
+HK$3,125/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,704/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,758
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,199
−HK$1,463/mo
Today · 4.125%
HK$56,662
baseline
▲ 0.50% · 4.625%
HK$59,649
+HK$2,987/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,324/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,128
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,061
−HK$1,963/mo
Today · 4.125%
HK$66,024
baseline
▲ 0.50% · 4.625%
HK$70,041
+HK$4,017/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,048/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,117
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,970
−HK$1,881/mo
Today · 4.125%
HK$72,851
baseline
▲ 0.50% · 4.625%
HK$76,691
+HK$3,840/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,702/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,627 · Scale 2, in force from 26 Feb 2026)