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$34,543
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,618
−HK$1,092/mo
Today · 4.125%
HK$36,710
baseline
▲ 0.50% · 4.625%
HK$38,943
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,420/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,429
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,460
−HK$1,046/mo
Today · 4.125%
HK$40,506
baseline
▲ 0.50% · 4.625%
HK$42,641
+HK$2,135/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$81,012/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,452
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,742
−HK$1,310/mo
Today · 4.125%
HK$44,052
baseline
▲ 0.50% · 4.625%
HK$46,732
+HK$2,680/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,104/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,115
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,352
−HK$1,255/mo
Today · 4.125%
HK$48,607
baseline
▲ 0.50% · 4.625%
HK$51,169
+HK$2,562/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,214/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,361
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,865
−HK$1,529/mo
Today · 4.125%
HK$51,394
baseline
▲ 0.50% · 4.625%
HK$54,521
+HK$3,127/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,788/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,801
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,244
−HK$1,464/mo
Today · 4.125%
HK$56,708
baseline
▲ 0.50% · 4.625%
HK$59,697
+HK$2,989/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,416/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,178
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,112
−HK$1,965/mo
Today · 4.125%
HK$66,077
baseline
▲ 0.50% · 4.625%
HK$70,098
+HK$4,021/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,154/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,173
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,028
−HK$1,882/mo
Today · 4.125%
HK$72,910
baseline
▲ 0.50% · 4.625%
HK$76,753
+HK$3,843/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,820/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,086 · Scale 2, in force from 26 Feb 2026)