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$34,578
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,654
−HK$1,093/mo
Today · 4.125%
HK$36,747
baseline
▲ 0.50% · 4.625%
HK$38,982
+HK$2,235/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,494/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,468
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,500
−HK$1,046/mo
Today · 4.125%
HK$40,546
baseline
▲ 0.50% · 4.625%
HK$42,683
+HK$2,137/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,092/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,494
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,785
−HK$1,311/mo
Today · 4.125%
HK$44,096
baseline
▲ 0.50% · 4.625%
HK$46,779
+HK$2,683/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,192/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,161
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,399
−HK$1,256/mo
Today · 4.125%
HK$48,655
baseline
▲ 0.50% · 4.625%
HK$51,220
+HK$2,565/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,310/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,409
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,915
−HK$1,530/mo
Today · 4.125%
HK$51,445
baseline
▲ 0.50% · 4.625%
HK$54,575
+HK$3,130/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,890/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,855
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,299
−HK$1,466/mo
Today · 4.125%
HK$56,765
baseline
▲ 0.50% · 4.625%
HK$59,757
+HK$2,992/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,530/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,241
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,177
−HK$1,967/mo
Today · 4.125%
HK$66,144
baseline
▲ 0.50% · 4.625%
HK$70,168
+HK$4,024/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,288/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,242
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,099
−HK$1,884/mo
Today · 4.125%
HK$72,983
baseline
▲ 0.50% · 4.625%
HK$76,830
+HK$3,847/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$145,966/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,657 · Scale 2, in force from 26 Feb 2026)