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$34,595
−HK$2,170/mo
▼ 0.25% · 3.875%
HK$35,672
−HK$1,093/mo
Today · 4.125%
HK$36,765
baseline
▲ 0.50% · 4.625%
HK$39,002
+HK$2,237/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,530/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,487
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,519
−HK$1,047/mo
Today · 4.125%
HK$40,566
baseline
▲ 0.50% · 4.625%
HK$42,705
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,132/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,515
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,806
−HK$1,312/mo
Today · 4.125%
HK$44,118
baseline
▲ 0.50% · 4.625%
HK$46,802
+HK$2,684/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,236/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,185
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,423
−HK$1,257/mo
Today · 4.125%
HK$48,680
baseline
▲ 0.50% · 4.625%
HK$51,246
+HK$2,566/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,360/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,434
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,940
−HK$1,531/mo
Today · 4.125%
HK$51,471
baseline
▲ 0.50% · 4.625%
HK$54,603
+HK$3,132/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,942/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,882
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,327
−HK$1,466/mo
Today · 4.125%
HK$56,793
baseline
▲ 0.50% · 4.625%
HK$59,787
+HK$2,994/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,586/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,272
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,209
−HK$1,968/mo
Today · 4.125%
HK$66,177
baseline
▲ 0.50% · 4.625%
HK$70,204
+HK$4,027/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,354/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,277
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,135
−HK$1,885/mo
Today · 4.125%
HK$73,020
baseline
▲ 0.50% · 4.625%
HK$76,869
+HK$3,849/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$146,040/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,941 · Scale 2, in force from 26 Feb 2026)