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$34,591
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,667
−HK$1,093/mo
Today · 4.125%
HK$36,760
baseline
▲ 0.50% · 4.625%
HK$38,997
+HK$2,237/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,520/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,482
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,514
−HK$1,047/mo
Today · 4.125%
HK$40,561
baseline
▲ 0.50% · 4.625%
HK$42,699
+HK$2,138/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,122/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,509
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,800
−HK$1,312/mo
Today · 4.125%
HK$44,112
baseline
▲ 0.50% · 4.625%
HK$46,796
+HK$2,684/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,224/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,178
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,417
−HK$1,256/mo
Today · 4.125%
HK$48,673
baseline
▲ 0.50% · 4.625%
HK$51,239
+HK$2,566/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,346/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,427
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,934
−HK$1,530/mo
Today · 4.125%
HK$51,464
baseline
▲ 0.50% · 4.625%
HK$54,595
+HK$3,131/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,928/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,875
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,320
−HK$1,465/mo
Today · 4.125%
HK$56,785
baseline
▲ 0.50% · 4.625%
HK$59,779
+HK$2,994/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,570/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,264
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,200
−HK$1,968/mo
Today · 4.125%
HK$66,168
baseline
▲ 0.50% · 4.625%
HK$70,194
+HK$4,026/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,336/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,268
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,125
−HK$1,885/mo
Today · 4.125%
HK$73,010
baseline
▲ 0.50% · 4.625%
HK$76,858
+HK$3,848/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$146,020/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,865 · Scale 2, in force from 26 Feb 2026)