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$34,574
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,650
−HK$1,092/mo
Today · 4.125%
HK$36,742
baseline
▲ 0.50% · 4.625%
HK$38,978
+HK$2,236/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,484/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,463
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,495
−HK$1,047/mo
Today · 4.125%
HK$40,542
baseline
▲ 0.50% · 4.625%
HK$42,678
+HK$2,136/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,084/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,489
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,780
−HK$1,311/mo
Today · 4.125%
HK$44,091
baseline
▲ 0.50% · 4.625%
HK$46,774
+HK$2,683/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$88,182/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,156
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,394
−HK$1,256/mo
Today · 4.125%
HK$48,650
baseline
▲ 0.50% · 4.625%
HK$51,214
+HK$2,564/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$97,300/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,404
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,910
−HK$1,529/mo
Today · 4.125%
HK$51,439
baseline
▲ 0.50% · 4.625%
HK$54,569
+HK$3,130/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,878/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,849
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,293
−HK$1,465/mo
Today · 4.125%
HK$56,758
baseline
▲ 0.50% · 4.625%
HK$59,750
+HK$2,992/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,516/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,234
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,169
−HK$1,967/mo
Today · 4.125%
HK$66,136
baseline
▲ 0.50% · 4.625%
HK$70,160
+HK$4,024/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,272/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,234
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,091
−HK$1,884/mo
Today · 4.125%
HK$72,975
baseline
▲ 0.50% · 4.625%
HK$76,821
+HK$3,846/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$145,950/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,591 · Scale 2, in force from 26 Feb 2026)