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$34,594
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,670
−HK$1,093/mo
Today · 4.125%
HK$36,763
baseline
▲ 0.50% · 4.625%
HK$39,000
+HK$2,237/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$73,526/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,486
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,518
−HK$1,047/mo
Today · 4.125%
HK$40,565
baseline
▲ 0.50% · 4.625%
HK$42,703
+HK$2,138/mo
Deposit HK$7.59M · loan HK$7.59M · min. income ≈ HK$81,130/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,513
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,804
−HK$1,312/mo
Today · 4.125%
HK$44,116
baseline
▲ 0.50% · 4.625%
HK$46,801
+HK$2,685/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,232/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,183
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,421
−HK$1,257/mo
Today · 4.125%
HK$48,678
baseline
▲ 0.50% · 4.625%
HK$51,244
+HK$2,566/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,356/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,432
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,938
−HK$1,531/mo
Today · 4.125%
HK$51,469
baseline
▲ 0.50% · 4.625%
HK$54,601
+HK$3,132/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,938/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,880
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,325
−HK$1,466/mo
Today · 4.125%
HK$56,791
baseline
▲ 0.50% · 4.625%
HK$59,784
+HK$2,993/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,582/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,269
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,206
−HK$1,968/mo
Today · 4.125%
HK$66,174
baseline
▲ 0.50% · 4.625%
HK$70,201
+HK$4,027/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,348/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,274
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,132
−HK$1,885/mo
Today · 4.125%
HK$73,017
baseline
▲ 0.50% · 4.625%
HK$76,866
+HK$3,849/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$146,034/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,918 · Scale 2, in force from 26 Feb 2026)