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$34,563
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,638
−HK$1,092/mo
Today · 4.125%
HK$36,730
baseline
▲ 0.50% · 4.625%
HK$38,965
+HK$2,235/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,460/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,451
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,482
−HK$1,046/mo
Today · 4.125%
HK$40,528
baseline
▲ 0.50% · 4.625%
HK$42,665
+HK$2,137/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,056/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,476
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,766
−HK$1,310/mo
Today · 4.125%
HK$44,076
baseline
▲ 0.50% · 4.625%
HK$46,758
+HK$2,682/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,152/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,141
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,379
−HK$1,255/mo
Today · 4.125%
HK$48,634
baseline
▲ 0.50% · 4.625%
HK$51,198
+HK$2,564/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,268/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,388
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,893
−HK$1,530/mo
Today · 4.125%
HK$51,423
baseline
▲ 0.50% · 4.625%
HK$54,552
+HK$3,129/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,846/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,831
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,275
−HK$1,465/mo
Today · 4.125%
HK$56,740
baseline
▲ 0.50% · 4.625%
HK$59,731
+HK$2,991/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,480/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,213
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,149
−HK$1,966/mo
Today · 4.125%
HK$66,115
baseline
▲ 0.50% · 4.625%
HK$70,138
+HK$4,023/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,230/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,212
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,068
−HK$1,883/mo
Today · 4.125%
HK$72,951
baseline
▲ 0.50% · 4.625%
HK$76,796
+HK$3,845/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,902/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,407 · Scale 2, in force from 26 Feb 2026)