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$34,544
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,619
−HK$1,092/mo
Today · 4.125%
HK$36,711
baseline
▲ 0.50% · 4.625%
HK$38,944
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,422/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,430
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,461
−HK$1,045/mo
Today · 4.125%
HK$40,506
baseline
▲ 0.50% · 4.625%
HK$42,642
+HK$2,136/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$81,012/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,453
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,743
−HK$1,310/mo
Today · 4.125%
HK$44,053
baseline
▲ 0.50% · 4.625%
HK$46,733
+HK$2,680/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,106/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,116
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,353
−HK$1,255/mo
Today · 4.125%
HK$48,608
baseline
▲ 0.50% · 4.625%
HK$51,170
+HK$2,562/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,216/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,362
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,866
−HK$1,529/mo
Today · 4.125%
HK$51,395
baseline
▲ 0.50% · 4.625%
HK$54,522
+HK$3,127/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,790/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,802
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,245
−HK$1,464/mo
Today · 4.125%
HK$56,709
baseline
▲ 0.50% · 4.625%
HK$59,698
+HK$2,989/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,418/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,180
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,114
−HK$1,965/mo
Today · 4.125%
HK$66,079
baseline
▲ 0.50% · 4.625%
HK$70,100
+HK$4,021/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,158/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,174
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,030
−HK$1,882/mo
Today · 4.125%
HK$72,912
baseline
▲ 0.50% · 4.625%
HK$76,755
+HK$3,843/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,824/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,100 · Scale 2, in force from 26 Feb 2026)