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$34,583
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,659
−HK$1,093/mo
Today · 4.125%
HK$36,752
baseline
▲ 0.50% · 4.625%
HK$38,988
+HK$2,236/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,504/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,474
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,505
−HK$1,047/mo
Today · 4.125%
HK$40,552
baseline
▲ 0.50% · 4.625%
HK$42,690
+HK$2,138/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,104/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,500
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,791
−HK$1,311/mo
Today · 4.125%
HK$44,102
baseline
▲ 0.50% · 4.625%
HK$46,786
+HK$2,684/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,204/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,168
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,407
−HK$1,256/mo
Today · 4.125%
HK$48,663
baseline
▲ 0.50% · 4.625%
HK$51,228
+HK$2,565/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,326/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,417
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,923
−HK$1,530/mo
Today · 4.125%
HK$51,453
baseline
▲ 0.50% · 4.625%
HK$54,584
+HK$3,131/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,906/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,863
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,308
−HK$1,465/mo
Today · 4.125%
HK$56,773
baseline
▲ 0.50% · 4.625%
HK$59,766
+HK$2,993/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,546/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,250
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,186
−HK$1,968/mo
Today · 4.125%
HK$66,154
baseline
▲ 0.50% · 4.625%
HK$70,179
+HK$4,025/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,308/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,252
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,110
−HK$1,884/mo
Today · 4.125%
HK$72,994
baseline
▲ 0.50% · 4.625%
HK$76,842
+HK$3,848/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$145,988/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,741 · Scale 2, in force from 26 Feb 2026)