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$34,593
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,669
−HK$1,093/mo
Today · 4.125%
HK$36,762
baseline
▲ 0.50% · 4.625%
HK$38,999
+HK$2,237/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,524/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,484
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,516
−HK$1,047/mo
Today · 4.125%
HK$40,563
baseline
▲ 0.50% · 4.625%
HK$42,701
+HK$2,138/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,126/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,511
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,802
−HK$1,312/mo
Today · 4.125%
HK$44,114
baseline
▲ 0.50% · 4.625%
HK$46,798
+HK$2,684/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,228/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,181
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,419
−HK$1,257/mo
Today · 4.125%
HK$48,676
baseline
▲ 0.50% · 4.625%
HK$51,241
+HK$2,565/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,352/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,430
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,936
−HK$1,531/mo
Today · 4.125%
HK$51,467
baseline
▲ 0.50% · 4.625%
HK$54,598
+HK$3,131/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,934/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,877
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,322
−HK$1,466/mo
Today · 4.125%
HK$56,788
baseline
▲ 0.50% · 4.625%
HK$59,782
+HK$2,994/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,576/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,267
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,203
−HK$1,968/mo
Today · 4.125%
HK$66,171
baseline
▲ 0.50% · 4.625%
HK$70,198
+HK$4,027/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,342/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,271
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,129
−HK$1,884/mo
Today · 4.125%
HK$73,013
baseline
▲ 0.50% · 4.625%
HK$76,862
+HK$3,849/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$146,026/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,893 · Scale 2, in force from 26 Feb 2026)