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$34,592
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,668
−HK$1,093/mo
Today · 4.125%
HK$36,761
baseline
▲ 0.50% · 4.625%
HK$38,998
+HK$2,237/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,522/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,483
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,515
−HK$1,047/mo
Today · 4.125%
HK$40,562
baseline
▲ 0.50% · 4.625%
HK$42,700
+HK$2,138/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,124/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,510
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,801
−HK$1,312/mo
Today · 4.125%
HK$44,113
baseline
▲ 0.50% · 4.625%
HK$46,797
+HK$2,684/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,226/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,179
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,418
−HK$1,256/mo
Today · 4.125%
HK$48,674
baseline
▲ 0.50% · 4.625%
HK$51,240
+HK$2,566/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,348/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,428
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,935
−HK$1,530/mo
Today · 4.125%
HK$51,465
baseline
▲ 0.50% · 4.625%
HK$54,597
+HK$3,132/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,930/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,876
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,321
−HK$1,466/mo
Today · 4.125%
HK$56,787
baseline
▲ 0.50% · 4.625%
HK$59,780
+HK$2,993/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,574/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,265
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,202
−HK$1,967/mo
Today · 4.125%
HK$66,169
baseline
▲ 0.50% · 4.625%
HK$70,196
+HK$4,027/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,338/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,269
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,127
−HK$1,884/mo
Today · 4.125%
HK$73,011
baseline
▲ 0.50% · 4.625%
HK$76,860
+HK$3,849/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$146,022/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,877 · Scale 2, in force from 26 Feb 2026)