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$34,548
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,623
−HK$1,091/mo
Today · 4.125%
HK$36,714
baseline
▲ 0.50% · 4.625%
HK$38,948
+HK$2,234/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,428/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,434
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,465
−HK$1,046/mo
Today · 4.125%
HK$40,511
baseline
▲ 0.50% · 4.625%
HK$42,646
+HK$2,135/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,022/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,458
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,747
−HK$1,310/mo
Today · 4.125%
HK$44,057
baseline
▲ 0.50% · 4.625%
HK$46,738
+HK$2,681/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,114/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,121
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,358
−HK$1,255/mo
Today · 4.125%
HK$48,613
baseline
▲ 0.50% · 4.625%
HK$51,175
+HK$2,562/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,226/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,367
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,872
−HK$1,528/mo
Today · 4.125%
HK$51,400
baseline
▲ 0.50% · 4.625%
HK$54,528
+HK$3,128/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,800/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,808
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,251
−HK$1,464/mo
Today · 4.125%
HK$56,715
baseline
▲ 0.50% · 4.625%
HK$59,705
+HK$2,990/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,430/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,186
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,121
−HK$1,965/mo
Today · 4.125%
HK$66,086
baseline
▲ 0.50% · 4.625%
HK$70,107
+HK$4,021/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,172/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,182
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,037
−HK$1,882/mo
Today · 4.125%
HK$72,919
baseline
▲ 0.50% · 4.625%
HK$76,763
+HK$3,844/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,838/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,160 · Scale 2, in force from 26 Feb 2026)