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$34,580
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,656
−HK$1,092/mo
Today · 4.125%
HK$36,748
baseline
▲ 0.50% · 4.625%
HK$38,985
+HK$2,237/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,496/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,470
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,502
−HK$1,046/mo
Today · 4.125%
HK$40,548
baseline
▲ 0.50% · 4.625%
HK$42,686
+HK$2,138/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,096/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,496
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,787
−HK$1,311/mo
Today · 4.125%
HK$44,098
baseline
▲ 0.50% · 4.625%
HK$46,781
+HK$2,683/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,196/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,164
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,402
−HK$1,256/mo
Today · 4.125%
HK$48,658
baseline
▲ 0.50% · 4.625%
HK$51,223
+HK$2,565/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,316/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,412
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,918
−HK$1,530/mo
Today · 4.125%
HK$51,448
baseline
▲ 0.50% · 4.625%
HK$54,578
+HK$3,130/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,896/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,858
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,302
−HK$1,466/mo
Today · 4.125%
HK$56,768
baseline
▲ 0.50% · 4.625%
HK$59,760
+HK$2,992/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,536/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,244
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,180
−HK$1,967/mo
Today · 4.125%
HK$66,147
baseline
▲ 0.50% · 4.625%
HK$70,172
+HK$4,025/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,294/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,246
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,103
−HK$1,884/mo
Today · 4.125%
HK$72,987
baseline
▲ 0.50% · 4.625%
HK$76,834
+HK$3,847/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$145,974/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,687 · Scale 2, in force from 26 Feb 2026)