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$34,578
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,653
−HK$1,093/mo
Today · 4.125%
HK$36,746
baseline
▲ 0.50% · 4.625%
HK$38,982
+HK$2,236/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,492/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,467
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,499
−HK$1,047/mo
Today · 4.125%
HK$40,546
baseline
▲ 0.50% · 4.625%
HK$42,683
+HK$2,137/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,092/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,493
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,784
−HK$1,311/mo
Today · 4.125%
HK$44,095
baseline
▲ 0.50% · 4.625%
HK$46,778
+HK$2,683/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,190/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,161
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,399
−HK$1,256/mo
Today · 4.125%
HK$48,655
baseline
▲ 0.50% · 4.625%
HK$51,219
+HK$2,564/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,310/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,409
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,915
−HK$1,529/mo
Today · 4.125%
HK$51,444
baseline
▲ 0.50% · 4.625%
HK$54,575
+HK$3,131/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,888/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,854
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,299
−HK$1,465/mo
Today · 4.125%
HK$56,764
baseline
▲ 0.50% · 4.625%
HK$59,756
+HK$2,992/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,528/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,240
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,176
−HK$1,967/mo
Today · 4.125%
HK$66,143
baseline
▲ 0.50% · 4.625%
HK$70,168
+HK$4,025/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,286/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,241
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,098
−HK$1,884/mo
Today · 4.125%
HK$72,982
baseline
▲ 0.50% · 4.625%
HK$76,829
+HK$3,847/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$145,964/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,649 · Scale 2, in force from 26 Feb 2026)