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$34,571
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,646
−HK$1,093/mo
Today · 4.125%
HK$36,739
baseline
▲ 0.50% · 4.625%
HK$38,974
+HK$2,235/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,478/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,460
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,491
−HK$1,047/mo
Today · 4.125%
HK$40,538
baseline
▲ 0.50% · 4.625%
HK$42,674
+HK$2,136/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,076/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,485
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,775
−HK$1,311/mo
Today · 4.125%
HK$44,086
baseline
▲ 0.50% · 4.625%
HK$46,769
+HK$2,683/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$88,172/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,152
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,389
−HK$1,256/mo
Today · 4.125%
HK$48,645
baseline
▲ 0.50% · 4.625%
HK$51,209
+HK$2,564/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$97,290/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,399
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,905
−HK$1,529/mo
Today · 4.125%
HK$51,434
baseline
▲ 0.50% · 4.625%
HK$54,564
+HK$3,130/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,868/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,844
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,288
−HK$1,465/mo
Today · 4.125%
HK$56,753
baseline
▲ 0.50% · 4.625%
HK$59,744
+HK$2,991/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,506/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,228
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,163
−HK$1,967/mo
Today · 4.125%
HK$66,130
baseline
▲ 0.50% · 4.625%
HK$70,154
+HK$4,024/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,260/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,227
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,084
−HK$1,884/mo
Today · 4.125%
HK$72,968
baseline
▲ 0.50% · 4.625%
HK$76,814
+HK$3,846/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,936/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,536 · Scale 2, in force from 26 Feb 2026)