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$34,551
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,626
−HK$1,092/mo
Today · 4.125%
HK$36,718
baseline
▲ 0.50% · 4.625%
HK$38,952
+HK$2,234/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,436/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,438
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,469
−HK$1,046/mo
Today · 4.125%
HK$40,515
baseline
▲ 0.50% · 4.625%
HK$42,650
+HK$2,135/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,030/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,462
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,751
−HK$1,311/mo
Today · 4.125%
HK$44,062
baseline
▲ 0.50% · 4.625%
HK$46,743
+HK$2,681/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,124/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,126
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,363
−HK$1,255/mo
Today · 4.125%
HK$48,618
baseline
▲ 0.50% · 4.625%
HK$51,180
+HK$2,562/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,236/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,372
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,877
−HK$1,528/mo
Today · 4.125%
HK$51,405
baseline
▲ 0.50% · 4.625%
HK$54,533
+HK$3,128/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,810/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,813
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,257
−HK$1,464/mo
Today · 4.125%
HK$56,721
baseline
▲ 0.50% · 4.625%
HK$59,711
+HK$2,990/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,442/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,193
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,127
−HK$1,966/mo
Today · 4.125%
HK$66,093
baseline
▲ 0.50% · 4.625%
HK$70,114
+HK$4,021/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,186/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,189
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,044
−HK$1,883/mo
Today · 4.125%
HK$72,927
baseline
▲ 0.50% · 4.625%
HK$76,771
+HK$3,844/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,854/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,217 · Scale 2, in force from 26 Feb 2026)