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$34,598
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,674
−HK$1,093/mo
Today · 4.125%
HK$36,767
baseline
▲ 0.50% · 4.625%
HK$39,005
+HK$2,238/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,534/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$568,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,490
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,522
−HK$1,047/mo
Today · 4.125%
HK$40,569
baseline
▲ 0.50% · 4.625%
HK$42,708
+HK$2,139/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,138/mo (50% DSR)
Upfront cash ≈ HK$8.16M (deposit + AVD stamp duty HK$568,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,517
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,809
−HK$1,312/mo
Today · 4.125%
HK$44,121
baseline
▲ 0.50% · 4.625%
HK$46,805
+HK$2,684/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,242/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,188
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,426
−HK$1,257/mo
Today · 4.125%
HK$48,683
baseline
▲ 0.50% · 4.625%
HK$51,249
+HK$2,566/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,366/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,437
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,943
−HK$1,531/mo
Today · 4.125%
HK$51,474
baseline
▲ 0.50% · 4.625%
HK$54,606
+HK$3,132/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,948/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,885
−HK$2,912/mo
▼ 0.25% · 3.875%
HK$55,331
−HK$1,466/mo
Today · 4.125%
HK$56,797
baseline
▲ 0.50% · 4.625%
HK$59,791
+HK$2,994/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,594/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,276
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,213
−HK$1,968/mo
Today · 4.125%
HK$66,181
baseline
▲ 0.50% · 4.625%
HK$70,208
+HK$4,027/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$132,362/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,281
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,139
−HK$1,885/mo
Today · 4.125%
HK$73,024
baseline
▲ 0.50% · 4.625%
HK$76,874
+HK$3,850/mo
Deposit HK$1.52M · loan HK$13.66M · min. income ≈ HK$146,048/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,978 · Scale 2, in force from 26 Feb 2026)