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$34,585
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,661
−HK$1,093/mo
Today · 4.125%
HK$36,754
baseline
▲ 0.50% · 4.625%
HK$38,990
+HK$2,236/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,508/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,475
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,507
−HK$1,047/mo
Today · 4.125%
HK$40,554
baseline
▲ 0.50% · 4.625%
HK$42,692
+HK$2,138/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,108/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,502
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,793
−HK$1,311/mo
Today · 4.125%
HK$44,104
baseline
▲ 0.50% · 4.625%
HK$46,788
+HK$2,684/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,208/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,170
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,409
−HK$1,256/mo
Today · 4.125%
HK$48,665
baseline
▲ 0.50% · 4.625%
HK$51,230
+HK$2,565/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,330/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,419
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,925
−HK$1,530/mo
Today · 4.125%
HK$51,455
baseline
▲ 0.50% · 4.625%
HK$54,586
+HK$3,131/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,910/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,865
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,310
−HK$1,465/mo
Today · 4.125%
HK$56,775
baseline
▲ 0.50% · 4.625%
HK$59,768
+HK$2,993/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,550/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,253
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,189
−HK$1,967/mo
Today · 4.125%
HK$66,156
baseline
▲ 0.50% · 4.625%
HK$70,182
+HK$4,026/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,312/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,255
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,113
−HK$1,884/mo
Today · 4.125%
HK$72,997
baseline
▲ 0.50% · 4.625%
HK$76,845
+HK$3,848/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$145,994/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,765 · Scale 2, in force from 26 Feb 2026)