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$34,546
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,621
−HK$1,092/mo
Today · 4.125%
HK$36,713
baseline
▲ 0.50% · 4.625%
HK$38,947
+HK$2,234/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,426/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,432
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,463
−HK$1,046/mo
Today · 4.125%
HK$40,509
baseline
▲ 0.50% · 4.625%
HK$42,644
+HK$2,135/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,018/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,456
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,745
−HK$1,310/mo
Today · 4.125%
HK$44,055
baseline
▲ 0.50% · 4.625%
HK$46,736
+HK$2,681/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,110/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,119
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,356
−HK$1,255/mo
Today · 4.125%
HK$48,611
baseline
▲ 0.50% · 4.625%
HK$51,173
+HK$2,562/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,222/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,365
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,869
−HK$1,529/mo
Today · 4.125%
HK$51,398
baseline
▲ 0.50% · 4.625%
HK$54,525
+HK$3,127/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,796/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,805
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,248
−HK$1,464/mo
Today · 4.125%
HK$56,712
baseline
▲ 0.50% · 4.625%
HK$59,702
+HK$2,990/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,424/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,183
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,118
−HK$1,965/mo
Today · 4.125%
HK$66,083
baseline
▲ 0.50% · 4.625%
HK$70,104
+HK$4,021/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,166/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,178
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,034
−HK$1,882/mo
Today · 4.125%
HK$72,916
baseline
▲ 0.50% · 4.625%
HK$76,759
+HK$3,843/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,832/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,132 · Scale 2, in force from 26 Feb 2026)