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$34,576
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,652
−HK$1,092/mo
Today · 4.125%
HK$36,744
baseline
▲ 0.50% · 4.625%
HK$38,980
+HK$2,236/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,488/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,466
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,497
−HK$1,047/mo
Today · 4.125%
HK$40,544
baseline
▲ 0.50% · 4.625%
HK$42,681
+HK$2,137/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,088/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,491
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,782
−HK$1,311/mo
Today · 4.125%
HK$44,093
baseline
▲ 0.50% · 4.625%
HK$46,776
+HK$2,683/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,186/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,159
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,397
−HK$1,256/mo
Today · 4.125%
HK$48,653
baseline
▲ 0.50% · 4.625%
HK$51,217
+HK$2,564/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,306/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,407
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,912
−HK$1,530/mo
Today · 4.125%
HK$51,442
baseline
▲ 0.50% · 4.625%
HK$54,572
+HK$3,130/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,884/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,852
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,296
−HK$1,465/mo
Today · 4.125%
HK$56,761
baseline
▲ 0.50% · 4.625%
HK$59,753
+HK$2,992/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,522/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,237
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,173
−HK$1,967/mo
Today · 4.125%
HK$66,140
baseline
▲ 0.50% · 4.625%
HK$70,164
+HK$4,024/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,280/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,238
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,095
−HK$1,884/mo
Today · 4.125%
HK$72,979
baseline
▲ 0.50% · 4.625%
HK$76,826
+HK$3,847/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$145,958/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,623 · Scale 2, in force from 26 Feb 2026)