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$34,569
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,644
−HK$1,093/mo
Today · 4.125%
HK$36,737
baseline
▲ 0.50% · 4.625%
HK$38,972
+HK$2,235/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,474/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,458
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,489
−HK$1,046/mo
Today · 4.125%
HK$40,535
baseline
▲ 0.50% · 4.625%
HK$42,672
+HK$2,137/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,070/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,483
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,773
−HK$1,311/mo
Today · 4.125%
HK$44,084
baseline
▲ 0.50% · 4.625%
HK$46,767
+HK$2,683/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$88,168/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,149
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,387
−HK$1,255/mo
Today · 4.125%
HK$48,642
baseline
▲ 0.50% · 4.625%
HK$51,206
+HK$2,564/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$97,284/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,397
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,902
−HK$1,529/mo
Today · 4.125%
HK$51,431
baseline
▲ 0.50% · 4.625%
HK$54,561
+HK$3,130/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,862/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,841
−HK$2,909/mo
▼ 0.25% · 3.875%
HK$55,285
−HK$1,465/mo
Today · 4.125%
HK$56,750
baseline
▲ 0.50% · 4.625%
HK$59,741
+HK$2,991/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,500/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,224
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,160
−HK$1,966/mo
Today · 4.125%
HK$66,126
baseline
▲ 0.50% · 4.625%
HK$70,150
+HK$4,024/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,252/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,224
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,080
−HK$1,884/mo
Today · 4.125%
HK$72,964
baseline
▲ 0.50% · 4.625%
HK$76,810
+HK$3,846/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,928/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,505 · Scale 2, in force from 26 Feb 2026)