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$34,546
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,621
−HK$1,091/mo
Today · 4.125%
HK$36,712
baseline
▲ 0.50% · 4.625%
HK$38,946
+HK$2,234/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,424/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,432
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,463
−HK$1,046/mo
Today · 4.125%
HK$40,509
baseline
▲ 0.50% · 4.625%
HK$42,644
+HK$2,135/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,018/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,455
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,745
−HK$1,310/mo
Today · 4.125%
HK$44,055
baseline
▲ 0.50% · 4.625%
HK$46,736
+HK$2,681/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,110/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,119
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,355
−HK$1,255/mo
Today · 4.125%
HK$48,610
baseline
▲ 0.50% · 4.625%
HK$51,173
+HK$2,563/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,220/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,365
−HK$3,032/mo
▼ 0.25% · 3.875%
HK$49,869
−HK$1,528/mo
Today · 4.125%
HK$51,397
baseline
▲ 0.50% · 4.625%
HK$54,525
+HK$3,128/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,794/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,805
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,248
−HK$1,464/mo
Today · 4.125%
HK$56,712
baseline
▲ 0.50% · 4.625%
HK$59,701
+HK$2,989/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,424/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,183
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,117
−HK$1,965/mo
Today · 4.125%
HK$66,082
baseline
▲ 0.50% · 4.625%
HK$70,103
+HK$4,021/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,164/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,178
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,033
−HK$1,882/mo
Today · 4.125%
HK$72,915
baseline
▲ 0.50% · 4.625%
HK$76,759
+HK$3,844/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,830/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,129 · Scale 2, in force from 26 Feb 2026)