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$34,561
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,636
−HK$1,093/mo
Today · 4.125%
HK$36,729
baseline
▲ 0.50% · 4.625%
HK$38,963
+HK$2,234/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,458/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,449
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,480
−HK$1,046/mo
Today · 4.125%
HK$40,526
baseline
▲ 0.50% · 4.625%
HK$42,663
+HK$2,137/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,052/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,474
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,764
−HK$1,310/mo
Today · 4.125%
HK$44,074
baseline
▲ 0.50% · 4.625%
HK$46,756
+HK$2,682/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,148/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,139
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,376
−HK$1,256/mo
Today · 4.125%
HK$48,632
baseline
▲ 0.50% · 4.625%
HK$51,195
+HK$2,563/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,264/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,386
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,891
−HK$1,529/mo
Today · 4.125%
HK$51,420
baseline
▲ 0.50% · 4.625%
HK$54,549
+HK$3,129/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,840/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,829
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,272
−HK$1,465/mo
Today · 4.125%
HK$56,737
baseline
▲ 0.50% · 4.625%
HK$59,728
+HK$2,991/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,474/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,210
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,145
−HK$1,967/mo
Today · 4.125%
HK$66,112
baseline
▲ 0.50% · 4.625%
HK$70,134
+HK$4,022/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,224/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,208
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,065
−HK$1,883/mo
Today · 4.125%
HK$72,948
baseline
▲ 0.50% · 4.625%
HK$76,793
+HK$3,845/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,896/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,379 · Scale 2, in force from 26 Feb 2026)