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$34,529
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,603
−HK$1,091/mo
Today · 4.125%
HK$36,694
baseline
▲ 0.50% · 4.625%
HK$38,927
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,388/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,413
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,443
−HK$1,046/mo
Today · 4.125%
HK$40,489
baseline
▲ 0.50% · 4.625%
HK$42,623
+HK$2,134/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,978/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,435
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,724
−HK$1,309/mo
Today · 4.125%
HK$44,033
baseline
▲ 0.50% · 4.625%
HK$46,712
+HK$2,679/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,066/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,096
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,332
−HK$1,254/mo
Today · 4.125%
HK$48,586
baseline
▲ 0.50% · 4.625%
HK$51,147
+HK$2,561/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,172/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,341
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,844
−HK$1,528/mo
Today · 4.125%
HK$51,372
baseline
▲ 0.50% · 4.625%
HK$54,498
+HK$3,126/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,744/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,778
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,221
−HK$1,463/mo
Today · 4.125%
HK$56,684
baseline
▲ 0.50% · 4.625%
HK$59,672
+HK$2,988/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,368/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,152
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,085
−HK$1,965/mo
Today · 4.125%
HK$66,050
baseline
▲ 0.50% · 4.625%
HK$70,069
+HK$4,019/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,100/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,144
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,998
−HK$1,881/mo
Today · 4.125%
HK$72,879
baseline
▲ 0.50% · 4.625%
HK$76,721
+HK$3,842/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,758/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,848 · Scale 2, in force from 26 Feb 2026)