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$34,542
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,616
−HK$1,092/mo
Today · 4.125%
HK$36,708
baseline
▲ 0.50% · 4.625%
HK$38,941
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,416/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,427
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,458
−HK$1,045/mo
Today · 4.125%
HK$40,503
baseline
▲ 0.50% · 4.625%
HK$42,638
+HK$2,135/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$81,006/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,450
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,739
−HK$1,310/mo
Today · 4.125%
HK$44,049
baseline
▲ 0.50% · 4.625%
HK$46,730
+HK$2,681/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,098/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,113
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,350
−HK$1,254/mo
Today · 4.125%
HK$48,604
baseline
▲ 0.50% · 4.625%
HK$51,166
+HK$2,562/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,208/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,358
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,863
−HK$1,528/mo
Today · 4.125%
HK$51,391
baseline
▲ 0.50% · 4.625%
HK$54,518
+HK$3,127/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,782/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,798
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,241
−HK$1,464/mo
Today · 4.125%
HK$56,705
baseline
▲ 0.50% · 4.625%
HK$59,694
+HK$2,989/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,410/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,175
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,109
−HK$1,965/mo
Today · 4.125%
HK$66,074
baseline
▲ 0.50% · 4.625%
HK$70,095
+HK$4,021/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,148/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,169
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,024
−HK$1,882/mo
Today · 4.125%
HK$72,906
baseline
▲ 0.50% · 4.625%
HK$76,749
+HK$3,843/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,812/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,058 · Scale 2, in force from 26 Feb 2026)