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$34,570
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,645
−HK$1,093/mo
Today · 4.125%
HK$36,738
baseline
▲ 0.50% · 4.625%
HK$38,973
+HK$2,235/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,476/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,458
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,490
−HK$1,046/mo
Today · 4.125%
HK$40,536
baseline
▲ 0.50% · 4.625%
HK$42,673
+HK$2,137/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,072/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,484
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,774
−HK$1,311/mo
Today · 4.125%
HK$44,085
baseline
▲ 0.50% · 4.625%
HK$46,767
+HK$2,682/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$88,170/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,150
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,388
−HK$1,255/mo
Today · 4.125%
HK$48,643
baseline
▲ 0.50% · 4.625%
HK$51,208
+HK$2,565/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$97,286/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,398
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,903
−HK$1,530/mo
Today · 4.125%
HK$51,433
baseline
▲ 0.50% · 4.625%
HK$54,562
+HK$3,129/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,866/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,842
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,286
−HK$1,465/mo
Today · 4.125%
HK$56,751
baseline
▲ 0.50% · 4.625%
HK$59,742
+HK$2,991/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,502/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,225
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,161
−HK$1,967/mo
Today · 4.125%
HK$66,128
baseline
▲ 0.50% · 4.625%
HK$70,151
+HK$4,023/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,256/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,225
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,082
−HK$1,883/mo
Today · 4.125%
HK$72,965
baseline
▲ 0.50% · 4.625%
HK$76,811
+HK$3,846/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,930/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,517 · Scale 2, in force from 26 Feb 2026)