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$34,588
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,664
−HK$1,093/mo
Today · 4.125%
HK$36,757
baseline
▲ 0.50% · 4.625%
HK$38,994
+HK$2,237/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,514/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,479
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,511
−HK$1,047/mo
Today · 4.125%
HK$40,558
baseline
▲ 0.50% · 4.625%
HK$42,696
+HK$2,138/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,116/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,506
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,797
−HK$1,312/mo
Today · 4.125%
HK$44,109
baseline
▲ 0.50% · 4.625%
HK$46,793
+HK$2,684/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,218/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,175
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,414
−HK$1,256/mo
Today · 4.125%
HK$48,670
baseline
▲ 0.50% · 4.625%
HK$51,235
+HK$2,565/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,340/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,424
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,930
−HK$1,530/mo
Today · 4.125%
HK$51,460
baseline
▲ 0.50% · 4.625%
HK$54,592
+HK$3,132/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,920/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,871
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,316
−HK$1,465/mo
Today · 4.125%
HK$56,781
baseline
▲ 0.50% · 4.625%
HK$59,775
+HK$2,994/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,562/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,259
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,196
−HK$1,967/mo
Today · 4.125%
HK$66,163
baseline
▲ 0.50% · 4.625%
HK$70,189
+HK$4,026/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,326/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,263
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,120
−HK$1,885/mo
Today · 4.125%
HK$73,005
baseline
▲ 0.50% · 4.625%
HK$76,853
+HK$3,848/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$146,010/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,825 · Scale 2, in force from 26 Feb 2026)