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$34,579
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,654
−HK$1,093/mo
Today · 4.125%
HK$36,747
baseline
▲ 0.50% · 4.625%
HK$38,983
+HK$2,236/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,494/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,469
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,500
−HK$1,047/mo
Today · 4.125%
HK$40,547
baseline
▲ 0.50% · 4.625%
HK$42,684
+HK$2,137/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,094/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,495
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,785
−HK$1,312/mo
Today · 4.125%
HK$44,097
baseline
▲ 0.50% · 4.625%
HK$46,780
+HK$2,683/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$88,194/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,162
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,400
−HK$1,256/mo
Today · 4.125%
HK$48,656
baseline
▲ 0.50% · 4.625%
HK$51,221
+HK$2,565/mo
Deposit HK$6.07M · loan HK$9.10M · min. income ≈ HK$97,312/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,410
−HK$3,036/mo
▼ 0.25% · 3.875%
HK$49,916
−HK$1,530/mo
Today · 4.125%
HK$51,446
baseline
▲ 0.50% · 4.625%
HK$54,577
+HK$3,131/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$102,892/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,856
−HK$2,910/mo
▼ 0.25% · 3.875%
HK$55,300
−HK$1,466/mo
Today · 4.125%
HK$56,766
baseline
▲ 0.50% · 4.625%
HK$59,758
+HK$2,992/mo
Deposit HK$4.55M · loan HK$10.62M · min. income ≈ HK$113,532/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,242
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,178
−HK$1,967/mo
Today · 4.125%
HK$66,145
baseline
▲ 0.50% · 4.625%
HK$70,170
+HK$4,025/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$132,290/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,244
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,101
−HK$1,884/mo
Today · 4.125%
HK$72,985
baseline
▲ 0.50% · 4.625%
HK$76,832
+HK$3,847/mo
Deposit HK$1.52M · loan HK$13.65M · min. income ≈ HK$145,970/mo (50% DSR)
Upfront cash ≈ HK$2.09M (deposit + AVD stamp duty HK$568,668 · Scale 2, in force from 26 Feb 2026)