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$34,544
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,619
−HK$1,091/mo
Today · 4.125%
HK$36,710
baseline
▲ 0.50% · 4.625%
HK$38,944
+HK$2,234/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,420/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,430
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,461
−HK$1,045/mo
Today · 4.125%
HK$40,506
baseline
▲ 0.50% · 4.625%
HK$42,641
+HK$2,135/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$81,012/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,453
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,742
−HK$1,310/mo
Today · 4.125%
HK$44,052
baseline
▲ 0.50% · 4.625%
HK$46,733
+HK$2,681/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,104/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,116
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,353
−HK$1,254/mo
Today · 4.125%
HK$48,607
baseline
▲ 0.50% · 4.625%
HK$51,170
+HK$2,563/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,214/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,362
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,866
−HK$1,528/mo
Today · 4.125%
HK$51,394
baseline
▲ 0.50% · 4.625%
HK$54,522
+HK$3,128/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,788/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,802
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,245
−HK$1,464/mo
Today · 4.125%
HK$56,709
baseline
▲ 0.50% · 4.625%
HK$59,698
+HK$2,989/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,418/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,179
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,114
−HK$1,965/mo
Today · 4.125%
HK$66,079
baseline
▲ 0.50% · 4.625%
HK$70,099
+HK$4,020/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,158/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,174
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,029
−HK$1,882/mo
Today · 4.125%
HK$72,911
baseline
▲ 0.50% · 4.625%
HK$76,754
+HK$3,843/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,822/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,096 · Scale 2, in force from 26 Feb 2026)