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$34,556
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,631
−HK$1,092/mo
Today · 4.125%
HK$36,723
baseline
▲ 0.50% · 4.625%
HK$38,958
+HK$2,235/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,446/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,444
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,475
−HK$1,046/mo
Today · 4.125%
HK$40,521
baseline
▲ 0.50% · 4.625%
HK$42,657
+HK$2,136/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,042/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,468
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,758
−HK$1,310/mo
Today · 4.125%
HK$44,068
baseline
▲ 0.50% · 4.625%
HK$46,750
+HK$2,682/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,136/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,132
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,370
−HK$1,255/mo
Today · 4.125%
HK$48,625
baseline
▲ 0.50% · 4.625%
HK$51,188
+HK$2,563/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,250/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,379
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,884
−HK$1,529/mo
Today · 4.125%
HK$51,413
baseline
▲ 0.50% · 4.625%
HK$54,541
+HK$3,128/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,826/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,821
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,265
−HK$1,464/mo
Today · 4.125%
HK$56,729
baseline
▲ 0.50% · 4.625%
HK$59,719
+HK$2,990/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,458/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,202
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,136
−HK$1,966/mo
Today · 4.125%
HK$66,102
baseline
▲ 0.50% · 4.625%
HK$70,124
+HK$4,022/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,204/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,199
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,055
−HK$1,882/mo
Today · 4.125%
HK$72,937
baseline
▲ 0.50% · 4.625%
HK$76,782
+HK$3,845/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,874/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,299 · Scale 2, in force from 26 Feb 2026)