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$34,589
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,665
−HK$1,093/mo
Today · 4.125%
HK$36,758
baseline
▲ 0.50% · 4.625%
HK$38,995
+HK$2,237/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,516/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,480
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,512
−HK$1,047/mo
Today · 4.125%
HK$40,559
baseline
▲ 0.50% · 4.625%
HK$42,697
+HK$2,138/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,118/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,507
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,798
−HK$1,312/mo
Today · 4.125%
HK$44,110
baseline
▲ 0.50% · 4.625%
HK$46,794
+HK$2,684/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,220/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,176
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,414
−HK$1,257/mo
Today · 4.125%
HK$48,671
baseline
▲ 0.50% · 4.625%
HK$51,236
+HK$2,565/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,342/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,425
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,931
−HK$1,530/mo
Today · 4.125%
HK$51,461
baseline
▲ 0.50% · 4.625%
HK$54,593
+HK$3,132/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,922/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,872
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,317
−HK$1,465/mo
Today · 4.125%
HK$56,782
baseline
▲ 0.50% · 4.625%
HK$59,775
+HK$2,993/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,564/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,260
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,197
−HK$1,967/mo
Today · 4.125%
HK$66,164
baseline
▲ 0.50% · 4.625%
HK$70,190
+HK$4,026/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,328/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,264
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,121
−HK$1,885/mo
Today · 4.125%
HK$73,006
baseline
▲ 0.50% · 4.625%
HK$76,854
+HK$3,848/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$146,012/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,835 · Scale 2, in force from 26 Feb 2026)