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$34,567
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,642
−HK$1,093/mo
Today · 4.125%
HK$36,735
baseline
▲ 0.50% · 4.625%
HK$38,970
+HK$2,235/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,470/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,456
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,487
−HK$1,046/mo
Today · 4.125%
HK$40,533
baseline
▲ 0.50% · 4.625%
HK$42,670
+HK$2,137/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,066/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,481
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,771
−HK$1,311/mo
Today · 4.125%
HK$44,082
baseline
▲ 0.50% · 4.625%
HK$46,764
+HK$2,682/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$88,164/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,147
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,384
−HK$1,256/mo
Today · 4.125%
HK$48,640
baseline
▲ 0.50% · 4.625%
HK$51,204
+HK$2,564/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$97,280/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,394
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,899
−HK$1,530/mo
Today · 4.125%
HK$51,429
baseline
▲ 0.50% · 4.625%
HK$54,558
+HK$3,129/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,858/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,838
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,282
−HK$1,464/mo
Today · 4.125%
HK$56,746
baseline
▲ 0.50% · 4.625%
HK$59,738
+HK$2,992/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,492/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,221
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,156
−HK$1,967/mo
Today · 4.125%
HK$66,123
baseline
▲ 0.50% · 4.625%
HK$70,146
+HK$4,023/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,246/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,220
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,076
−HK$1,884/mo
Today · 4.125%
HK$72,960
baseline
▲ 0.50% · 4.625%
HK$76,806
+HK$3,846/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,920/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,474 · Scale 2, in force from 26 Feb 2026)