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$34,587
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,663
−HK$1,093/mo
Today · 4.125%
HK$36,756
baseline
▲ 0.50% · 4.625%
HK$38,993
+HK$2,237/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,512/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,478
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,510
−HK$1,047/mo
Today · 4.125%
HK$40,557
baseline
▲ 0.50% · 4.625%
HK$42,695
+HK$2,138/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,114/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,505
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,796
−HK$1,311/mo
Today · 4.125%
HK$44,107
baseline
▲ 0.50% · 4.625%
HK$46,791
+HK$2,684/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,214/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,174
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,412
−HK$1,256/mo
Today · 4.125%
HK$48,668
baseline
▲ 0.50% · 4.625%
HK$51,234
+HK$2,566/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,336/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,422
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,928
−HK$1,531/mo
Today · 4.125%
HK$51,459
baseline
▲ 0.50% · 4.625%
HK$54,590
+HK$3,131/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,918/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,869
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,314
−HK$1,466/mo
Today · 4.125%
HK$56,780
baseline
▲ 0.50% · 4.625%
HK$59,772
+HK$2,992/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,560/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,257
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,194
−HK$1,967/mo
Today · 4.125%
HK$66,161
baseline
▲ 0.50% · 4.625%
HK$70,187
+HK$4,026/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,322/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,260
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,118
−HK$1,884/mo
Today · 4.125%
HK$73,002
baseline
▲ 0.50% · 4.625%
HK$76,850
+HK$3,848/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$146,004/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,806 · Scale 2, in force from 26 Feb 2026)