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$34,967
−HK$2,193/mo
▼ 0.25% · 3.875%
HK$36,055
−HK$1,105/mo
Today · 4.125%
HK$37,160
baseline
▲ 0.50% · 4.625%
HK$39,421
+HK$2,261/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$74,320/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,900
−HK$2,102/mo
▼ 0.25% · 3.875%
HK$39,944
−HK$1,058/mo
Today · 4.125%
HK$41,002
baseline
▲ 0.50% · 4.625%
HK$43,163
+HK$2,161/mo
Deposit HK$7.67M · loan HK$7.67M · min. income ≈ HK$82,004/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$575,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,960
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,266
−HK$1,326/mo
Today · 4.125%
HK$44,592
baseline
▲ 0.50% · 4.625%
HK$47,305
+HK$2,713/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$89,184/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,680
−HK$2,522/mo
▼ 0.25% · 3.875%
HK$47,932
−HK$1,270/mo
Today · 4.125%
HK$49,202
baseline
▲ 0.50% · 4.625%
HK$51,796
+HK$2,594/mo
Deposit HK$6.13M · loan HK$9.20M · min. income ≈ HK$98,404/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$575,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,954
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,476
−HK$1,548/mo
Today · 4.125%
HK$52,024
baseline
▲ 0.50% · 4.625%
HK$55,189
+HK$3,165/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$104,048/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,460
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,921
−HK$1,482/mo
Today · 4.125%
HK$57,403
baseline
▲ 0.50% · 4.625%
HK$60,429
+HK$3,026/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,806/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$575,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,940
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,898
−HK$1,989/mo
Today · 4.125%
HK$66,887
baseline
▲ 0.50% · 4.625%
HK$70,957
+HK$4,070/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$133,774/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,021
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,899
−HK$1,905/mo
Today · 4.125%
HK$73,804
baseline
▲ 0.50% · 4.625%
HK$77,694
+HK$3,890/mo
Deposit HK$1.53M · loan HK$13.80M · min. income ≈ HK$147,608/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$575,050 · Scale 2, in force from 26 Feb 2026)