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$34,586
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,662
−HK$1,093/mo
Today · 4.125%
HK$36,755
baseline
▲ 0.50% · 4.625%
HK$38,992
+HK$2,237/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,510/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,477
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,509
−HK$1,047/mo
Today · 4.125%
HK$40,556
baseline
▲ 0.50% · 4.625%
HK$42,694
+HK$2,138/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,112/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,504
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,795
−HK$1,311/mo
Today · 4.125%
HK$44,106
baseline
▲ 0.50% · 4.625%
HK$46,790
+HK$2,684/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,212/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,173
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,411
−HK$1,256/mo
Today · 4.125%
HK$48,667
baseline
▲ 0.50% · 4.625%
HK$51,232
+HK$2,565/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,334/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,421
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,927
−HK$1,530/mo
Today · 4.125%
HK$51,457
baseline
▲ 0.50% · 4.625%
HK$54,589
+HK$3,132/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,914/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,868
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,313
−HK$1,465/mo
Today · 4.125%
HK$56,778
baseline
▲ 0.50% · 4.625%
HK$59,771
+HK$2,993/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,556/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,256
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,192
−HK$1,968/mo
Today · 4.125%
HK$66,160
baseline
▲ 0.50% · 4.625%
HK$70,185
+HK$4,025/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,320/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,259
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,116
−HK$1,885/mo
Today · 4.125%
HK$73,001
baseline
▲ 0.50% · 4.625%
HK$76,849
+HK$3,848/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$146,002/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,793 · Scale 2, in force from 26 Feb 2026)