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$34,551
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,626
−HK$1,092/mo
Today · 4.125%
HK$36,718
baseline
▲ 0.50% · 4.625%
HK$38,952
+HK$2,234/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,436/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,438
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,468
−HK$1,046/mo
Today · 4.125%
HK$40,514
baseline
▲ 0.50% · 4.625%
HK$42,650
+HK$2,136/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,028/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,461
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,751
−HK$1,310/mo
Today · 4.125%
HK$44,061
baseline
▲ 0.50% · 4.625%
HK$46,742
+HK$2,681/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,122/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,125
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,362
−HK$1,255/mo
Today · 4.125%
HK$48,617
baseline
▲ 0.50% · 4.625%
HK$51,180
+HK$2,563/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,234/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,371
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,876
−HK$1,529/mo
Today · 4.125%
HK$51,405
baseline
▲ 0.50% · 4.625%
HK$54,532
+HK$3,127/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,810/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,813
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,256
−HK$1,464/mo
Today · 4.125%
HK$56,720
baseline
▲ 0.50% · 4.625%
HK$59,710
+HK$2,990/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,440/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,192
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,126
−HK$1,966/mo
Today · 4.125%
HK$66,092
baseline
▲ 0.50% · 4.625%
HK$70,113
+HK$4,021/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,184/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,188
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,043
−HK$1,883/mo
Today · 4.125%
HK$72,926
baseline
▲ 0.50% · 4.625%
HK$76,770
+HK$3,844/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,852/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,208 · Scale 2, in force from 26 Feb 2026)