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$34,540
−HK$2,166/mo
▼ 0.25% · 3.875%
HK$35,615
−HK$1,091/mo
Today · 4.125%
HK$36,706
baseline
▲ 0.50% · 4.625%
HK$38,940
+HK$2,234/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,412/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,426
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,456
−HK$1,046/mo
Today · 4.125%
HK$40,502
baseline
▲ 0.50% · 4.625%
HK$42,637
+HK$2,135/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$81,004/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,448
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,738
−HK$1,309/mo
Today · 4.125%
HK$44,047
baseline
▲ 0.50% · 4.625%
HK$46,728
+HK$2,681/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,094/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,111
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,347
−HK$1,255/mo
Today · 4.125%
HK$48,602
baseline
▲ 0.50% · 4.625%
HK$51,164
+HK$2,562/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,204/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,356
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,860
−HK$1,529/mo
Today · 4.125%
HK$51,389
baseline
▲ 0.50% · 4.625%
HK$54,516
+HK$3,127/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,778/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,796
−HK$2,906/mo
▼ 0.25% · 3.875%
HK$55,239
−HK$1,463/mo
Today · 4.125%
HK$56,702
baseline
▲ 0.50% · 4.625%
HK$59,691
+HK$2,989/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,404/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,172
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,106
−HK$1,965/mo
Today · 4.125%
HK$66,071
baseline
▲ 0.50% · 4.625%
HK$70,091
+HK$4,020/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,142/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,166
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,021
−HK$1,882/mo
Today · 4.125%
HK$72,903
baseline
▲ 0.50% · 4.625%
HK$76,746
+HK$3,843/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,806/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,033 · Scale 2, in force from 26 Feb 2026)