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$34,556
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,631
−HK$1,092/mo
Today · 4.125%
HK$36,723
baseline
▲ 0.50% · 4.625%
HK$38,957
+HK$2,234/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,446/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,443
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,474
−HK$1,046/mo
Today · 4.125%
HK$40,520
baseline
▲ 0.50% · 4.625%
HK$42,656
+HK$2,136/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,040/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,467
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,757
−HK$1,310/mo
Today · 4.125%
HK$44,067
baseline
▲ 0.50% · 4.625%
HK$46,749
+HK$2,682/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,134/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,131
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,369
−HK$1,255/mo
Today · 4.125%
HK$48,624
baseline
▲ 0.50% · 4.625%
HK$51,187
+HK$2,563/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,248/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,378
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,883
−HK$1,529/mo
Today · 4.125%
HK$51,412
baseline
▲ 0.50% · 4.625%
HK$54,540
+HK$3,128/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,824/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,820
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,263
−HK$1,465/mo
Today · 4.125%
HK$56,728
baseline
▲ 0.50% · 4.625%
HK$59,718
+HK$2,990/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,456/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,200
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,135
−HK$1,966/mo
Today · 4.125%
HK$66,101
baseline
▲ 0.50% · 4.625%
HK$70,123
+HK$4,022/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,202/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,197
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,053
−HK$1,883/mo
Today · 4.125%
HK$72,936
baseline
▲ 0.50% · 4.625%
HK$76,780
+HK$3,844/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,872/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,287 · Scale 2, in force from 26 Feb 2026)