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$34,532
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,606
−HK$1,091/mo
Today · 4.125%
HK$36,697
baseline
▲ 0.50% · 4.625%
HK$38,930
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,394/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,416
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,447
−HK$1,045/mo
Today · 4.125%
HK$40,492
baseline
▲ 0.50% · 4.625%
HK$42,626
+HK$2,134/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,984/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,438
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,727
−HK$1,310/mo
Today · 4.125%
HK$44,037
baseline
▲ 0.50% · 4.625%
HK$46,716
+HK$2,679/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,074/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$567,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,100
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,336
−HK$1,254/mo
Today · 4.125%
HK$48,590
baseline
▲ 0.50% · 4.625%
HK$51,151
+HK$2,561/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,180/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$567,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,345
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,848
−HK$1,528/mo
Today · 4.125%
HK$51,376
baseline
▲ 0.50% · 4.625%
HK$54,502
+HK$3,126/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,752/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,783
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,225
−HK$1,464/mo
Today · 4.125%
HK$56,689
baseline
▲ 0.50% · 4.625%
HK$59,677
+HK$2,988/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,378/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,157
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,091
−HK$1,964/mo
Today · 4.125%
HK$66,055
baseline
▲ 0.50% · 4.625%
HK$70,074
+HK$4,019/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,110/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,149
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,004
−HK$1,881/mo
Today · 4.125%
HK$72,885
baseline
▲ 0.50% · 4.625%
HK$76,727
+HK$3,842/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,770/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,894 · Scale 2, in force from 26 Feb 2026)