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$34,589
−HK$2,169/mo
▼ 0.25% · 3.875%
HK$35,665
−HK$1,093/mo
Today · 4.125%
HK$36,758
baseline
▲ 0.50% · 4.625%
HK$38,994
+HK$2,236/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,516/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,480
−HK$2,079/mo
▼ 0.25% · 3.875%
HK$39,512
−HK$1,047/mo
Today · 4.125%
HK$40,559
baseline
▲ 0.50% · 4.625%
HK$42,696
+HK$2,137/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,118/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,506
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,798
−HK$1,311/mo
Today · 4.125%
HK$44,109
baseline
▲ 0.50% · 4.625%
HK$46,793
+HK$2,684/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,218/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,176
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,414
−HK$1,256/mo
Today · 4.125%
HK$48,670
baseline
▲ 0.50% · 4.625%
HK$51,236
+HK$2,566/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,340/mo (50% DSR)
Upfront cash ≈ HK$6.64M (deposit + AVD stamp duty HK$568,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,424
−HK$3,037/mo
▼ 0.25% · 3.875%
HK$49,930
−HK$1,531/mo
Today · 4.125%
HK$51,461
baseline
▲ 0.50% · 4.625%
HK$54,592
+HK$3,131/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,922/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,871
−HK$2,911/mo
▼ 0.25% · 3.875%
HK$55,316
−HK$1,466/mo
Today · 4.125%
HK$56,782
baseline
▲ 0.50% · 4.625%
HK$59,775
+HK$2,993/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,564/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,260
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,196
−HK$1,968/mo
Today · 4.125%
HK$66,164
baseline
▲ 0.50% · 4.625%
HK$70,190
+HK$4,026/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,328/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,263
−HK$3,742/mo
▼ 0.25% · 3.875%
HK$71,121
−HK$1,884/mo
Today · 4.125%
HK$73,005
baseline
▲ 0.50% · 4.625%
HK$76,854
+HK$3,849/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$146,010/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,830 · Scale 2, in force from 26 Feb 2026)