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$34,562
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,637
−HK$1,092/mo
Today · 4.125%
HK$36,729
baseline
▲ 0.50% · 4.625%
HK$38,964
+HK$2,235/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$568,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,450
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,481
−HK$1,046/mo
Today · 4.125%
HK$40,527
baseline
▲ 0.50% · 4.625%
HK$42,663
+HK$2,136/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,054/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,474
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,764
−HK$1,311/mo
Today · 4.125%
HK$44,075
baseline
▲ 0.50% · 4.625%
HK$46,757
+HK$2,682/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,150/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,140
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,377
−HK$1,255/mo
Today · 4.125%
HK$48,632
baseline
▲ 0.50% · 4.625%
HK$51,196
+HK$2,564/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$568,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,387
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,892
−HK$1,529/mo
Today · 4.125%
HK$51,421
baseline
▲ 0.50% · 4.625%
HK$54,550
+HK$3,129/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,842/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,830
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,273
−HK$1,465/mo
Today · 4.125%
HK$56,738
baseline
▲ 0.50% · 4.625%
HK$59,729
+HK$2,991/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,476/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,211
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,146
−HK$1,966/mo
Today · 4.125%
HK$66,112
baseline
▲ 0.50% · 4.625%
HK$70,135
+HK$4,023/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$568,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,209
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,066
−HK$1,883/mo
Today · 4.125%
HK$72,949
baseline
▲ 0.50% · 4.625%
HK$76,794
+HK$3,845/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,898/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,388 · Scale 2, in force from 26 Feb 2026)