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$34,526
−HK$2,165/mo
▼ 0.25% · 3.875%
HK$35,599
−HK$1,092/mo
Today · 4.125%
HK$36,691
baseline
▲ 0.50% · 4.625%
HK$38,923
+HK$2,232/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,382/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,409
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$39,439
−HK$1,045/mo
Today · 4.125%
HK$40,484
baseline
▲ 0.50% · 4.625%
HK$42,618
+HK$2,134/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$80,968/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$567,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,431
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$42,719
−HK$1,310/mo
Today · 4.125%
HK$44,029
baseline
▲ 0.50% · 4.625%
HK$46,708
+HK$2,679/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$88,058/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,091
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$47,327
−HK$1,254/mo
Today · 4.125%
HK$48,581
baseline
▲ 0.50% · 4.625%
HK$51,142
+HK$2,561/mo
Deposit HK$6.06M · loan HK$9.08M · min. income ≈ HK$97,162/mo (50% DSR)
Upfront cash ≈ HK$6.62M (deposit + AVD stamp duty HK$567,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,336
−HK$3,031/mo
▼ 0.25% · 3.875%
HK$49,839
−HK$1,528/mo
Today · 4.125%
HK$51,367
baseline
▲ 0.50% · 4.625%
HK$54,492
+HK$3,125/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,734/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,773
−HK$2,905/mo
▼ 0.25% · 3.875%
HK$55,215
−HK$1,463/mo
Today · 4.125%
HK$56,678
baseline
▲ 0.50% · 4.625%
HK$59,666
+HK$2,988/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,356/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$567,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,146
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,079
−HK$1,964/mo
Today · 4.125%
HK$66,043
baseline
▲ 0.50% · 4.625%
HK$70,062
+HK$4,019/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,086/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,137
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,991
−HK$1,881/mo
Today · 4.125%
HK$72,872
baseline
▲ 0.50% · 4.625%
HK$76,713
+HK$3,841/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,744/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$567,791 · Scale 2, in force from 26 Feb 2026)