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$34,547
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,622
−HK$1,092/mo
Today · 4.125%
HK$36,714
baseline
▲ 0.50% · 4.625%
HK$38,948
+HK$2,234/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,428/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,434
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,464
−HK$1,046/mo
Today · 4.125%
HK$40,510
baseline
▲ 0.50% · 4.625%
HK$42,645
+HK$2,135/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,020/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,457
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,746
−HK$1,311/mo
Today · 4.125%
HK$44,057
baseline
▲ 0.50% · 4.625%
HK$46,737
+HK$2,680/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,114/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,120
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,357
−HK$1,255/mo
Today · 4.125%
HK$48,612
baseline
▲ 0.50% · 4.625%
HK$51,175
+HK$2,563/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,224/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,366
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,871
−HK$1,528/mo
Today · 4.125%
HK$51,399
baseline
▲ 0.50% · 4.625%
HK$54,527
+HK$3,128/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,798/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,807
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,250
−HK$1,464/mo
Today · 4.125%
HK$56,714
baseline
▲ 0.50% · 4.625%
HK$59,704
+HK$2,990/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,428/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,185
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,120
−HK$1,965/mo
Today · 4.125%
HK$66,085
baseline
▲ 0.50% · 4.625%
HK$70,106
+HK$4,021/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,170/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,181
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,036
−HK$1,882/mo
Today · 4.125%
HK$72,918
baseline
▲ 0.50% · 4.625%
HK$76,762
+HK$3,844/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,836/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,150 · Scale 2, in force from 26 Feb 2026)