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$34,534
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,608
−HK$1,092/mo
Today · 4.125%
HK$36,700
baseline
▲ 0.50% · 4.625%
HK$38,933
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,400/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,419
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,449
−HK$1,046/mo
Today · 4.125%
HK$40,495
baseline
▲ 0.50% · 4.625%
HK$42,629
+HK$2,134/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,990/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,441
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,730
−HK$1,310/mo
Today · 4.125%
HK$44,040
baseline
▲ 0.50% · 4.625%
HK$46,719
+HK$2,679/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,080/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$567,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,103
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,339
−HK$1,254/mo
Today · 4.125%
HK$48,593
baseline
▲ 0.50% · 4.625%
HK$51,155
+HK$2,562/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,186/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$567,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,348
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,852
−HK$1,528/mo
Today · 4.125%
HK$51,380
baseline
▲ 0.50% · 4.625%
HK$54,506
+HK$3,126/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,760/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,786
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,229
−HK$1,463/mo
Today · 4.125%
HK$56,692
baseline
▲ 0.50% · 4.625%
HK$59,681
+HK$2,989/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,384/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,161
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,095
−HK$1,964/mo
Today · 4.125%
HK$66,059
baseline
▲ 0.50% · 4.625%
HK$70,079
+HK$4,020/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,118/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,154
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,009
−HK$1,881/mo
Today · 4.125%
HK$72,890
baseline
▲ 0.50% · 4.625%
HK$76,732
+HK$3,842/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,780/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,932 · Scale 2, in force from 26 Feb 2026)