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$34,515
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,589
−HK$1,091/mo
Today · 4.125%
HK$36,680
baseline
▲ 0.50% · 4.625%
HK$38,911
+HK$2,231/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$567,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,398
−HK$2,074/mo
▼ 0.25% · 3.875%
HK$39,428
−HK$1,044/mo
Today · 4.125%
HK$40,472
baseline
▲ 0.50% · 4.625%
HK$42,606
+HK$2,134/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,944/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,418
−HK$2,598/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$567,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,077
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,313
−HK$1,254/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$567,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,321
−HK$3,030/mo
▼ 0.25% · 3.875%
HK$49,824
−HK$1,527/mo
Today · 4.125%
HK$51,351
baseline
▲ 0.50% · 4.625%
HK$54,476
+HK$3,125/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,702/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,757
−HK$2,904/mo
▼ 0.25% · 3.875%
HK$55,199
−HK$1,462/mo
Today · 4.125%
HK$56,661
baseline
▲ 0.50% · 4.625%
HK$59,648
+HK$2,987/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,322/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,127
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,060
−HK$1,963/mo
Today · 4.125%
HK$66,023
baseline
▲ 0.50% · 4.625%
HK$70,041
+HK$4,018/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$132,046/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,116
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,970
−HK$1,880/mo
Today · 4.125%
HK$72,850
baseline
▲ 0.50% · 4.625%
HK$76,690
+HK$3,840/mo
Deposit HK$1.51M · loan HK$13.62M · min. income ≈ HK$145,700/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,621 · Scale 2, in force from 26 Feb 2026)