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$34,581
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,657
−HK$1,093/mo
Today · 4.125%
HK$36,750
baseline
▲ 0.50% · 4.625%
HK$38,986
+HK$2,236/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,500/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,471
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,503
−HK$1,047/mo
Today · 4.125%
HK$40,550
baseline
▲ 0.50% · 4.625%
HK$42,687
+HK$2,137/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,100/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,497
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,788
−HK$1,312/mo
Today · 4.125%
HK$44,100
baseline
▲ 0.50% · 4.625%
HK$46,783
+HK$2,683/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,200/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,166
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,404
−HK$1,256/mo
Today · 4.125%
HK$48,660
baseline
▲ 0.50% · 4.625%
HK$51,225
+HK$2,565/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,320/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,414
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,920
−HK$1,530/mo
Today · 4.125%
HK$51,450
baseline
▲ 0.50% · 4.625%
HK$54,580
+HK$3,130/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,900/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,860
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,304
−HK$1,466/mo
Today · 4.125%
HK$56,770
baseline
▲ 0.50% · 4.625%
HK$59,762
+HK$2,992/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,540/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,246
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,182
−HK$1,968/mo
Today · 4.125%
HK$66,150
baseline
▲ 0.50% · 4.625%
HK$70,175
+HK$4,025/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,300/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,248
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,105
−HK$1,885/mo
Today · 4.125%
HK$72,990
baseline
▲ 0.50% · 4.625%
HK$76,837
+HK$3,847/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$145,980/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,707 · Scale 2, in force from 26 Feb 2026)