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$34,561
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,636
−HK$1,092/mo
Today · 4.125%
HK$36,728
baseline
▲ 0.50% · 4.625%
HK$38,963
+HK$2,235/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,456/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,449
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,480
−HK$1,046/mo
Today · 4.125%
HK$40,526
baseline
▲ 0.50% · 4.625%
HK$42,662
+HK$2,136/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,052/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,473
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,763
−HK$1,311/mo
Today · 4.125%
HK$44,074
baseline
▲ 0.50% · 4.625%
HK$46,756
+HK$2,682/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,148/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,139
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,376
−HK$1,255/mo
Today · 4.125%
HK$48,631
baseline
▲ 0.50% · 4.625%
HK$51,195
+HK$2,564/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,262/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,386
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,891
−HK$1,529/mo
Today · 4.125%
HK$51,420
baseline
▲ 0.50% · 4.625%
HK$54,549
+HK$3,129/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,840/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,828
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,272
−HK$1,465/mo
Today · 4.125%
HK$56,737
baseline
▲ 0.50% · 4.625%
HK$59,727
+HK$2,990/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,474/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,210
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,145
−HK$1,966/mo
Today · 4.125%
HK$66,111
baseline
▲ 0.50% · 4.625%
HK$70,134
+HK$4,023/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,222/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,208
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,064
−HK$1,883/mo
Today · 4.125%
HK$72,947
baseline
▲ 0.50% · 4.625%
HK$76,792
+HK$3,845/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,894/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,376 · Scale 2, in force from 26 Feb 2026)