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$34,572
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,647
−HK$1,093/mo
Today · 4.125%
HK$36,740
baseline
▲ 0.50% · 4.625%
HK$38,976
+HK$2,236/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,480/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,461
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,493
−HK$1,046/mo
Today · 4.125%
HK$40,539
baseline
▲ 0.50% · 4.625%
HK$42,676
+HK$2,137/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,078/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,487
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,777
−HK$1,311/mo
Today · 4.125%
HK$44,088
baseline
▲ 0.50% · 4.625%
HK$46,771
+HK$2,683/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$88,176/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,153
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,391
−HK$1,256/mo
Today · 4.125%
HK$48,647
baseline
▲ 0.50% · 4.625%
HK$51,211
+HK$2,564/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$97,294/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,401
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,906
−HK$1,530/mo
Today · 4.125%
HK$51,436
baseline
▲ 0.50% · 4.625%
HK$54,566
+HK$3,130/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,872/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,846
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,290
−HK$1,465/mo
Today · 4.125%
HK$56,755
baseline
▲ 0.50% · 4.625%
HK$59,746
+HK$2,991/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,510/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,230
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,165
−HK$1,967/mo
Today · 4.125%
HK$66,132
baseline
▲ 0.50% · 4.625%
HK$70,156
+HK$4,024/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,264/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,230
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,087
−HK$1,883/mo
Today · 4.125%
HK$72,970
baseline
▲ 0.50% · 4.625%
HK$76,817
+HK$3,847/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$145,940/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,557 · Scale 2, in force from 26 Feb 2026)