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$34,565
−HK$2,168/mo
▼ 0.25% · 3.875%
HK$35,640
−HK$1,093/mo
Today · 4.125%
HK$36,733
baseline
▲ 0.50% · 4.625%
HK$38,968
+HK$2,235/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,466/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,453
−HK$2,078/mo
▼ 0.25% · 3.875%
HK$39,485
−HK$1,046/mo
Today · 4.125%
HK$40,531
baseline
▲ 0.50% · 4.625%
HK$42,667
+HK$2,136/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,062/mo (50% DSR)
Upfront cash ≈ HK$8.15M (deposit + AVD stamp duty HK$568,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,478
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,768
−HK$1,311/mo
Today · 4.125%
HK$44,079
baseline
▲ 0.50% · 4.625%
HK$46,761
+HK$2,682/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$88,158/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,144
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,382
−HK$1,255/mo
Today · 4.125%
HK$48,637
baseline
▲ 0.50% · 4.625%
HK$51,201
+HK$2,564/mo
Deposit HK$6.06M · loan HK$9.10M · min. income ≈ HK$97,274/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,391
−HK$3,035/mo
▼ 0.25% · 3.875%
HK$49,896
−HK$1,530/mo
Today · 4.125%
HK$51,426
baseline
▲ 0.50% · 4.625%
HK$54,555
+HK$3,129/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,852/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,835
−HK$2,908/mo
▼ 0.25% · 3.875%
HK$55,278
−HK$1,465/mo
Today · 4.125%
HK$56,743
baseline
▲ 0.50% · 4.625%
HK$59,734
+HK$2,991/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,486/mo (50% DSR)
Upfront cash ≈ HK$5.12M (deposit + AVD stamp duty HK$568,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,217
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,152
−HK$1,967/mo
Today · 4.125%
HK$66,119
baseline
▲ 0.50% · 4.625%
HK$70,142
+HK$4,023/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,238/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,216
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,072
−HK$1,884/mo
Today · 4.125%
HK$72,956
baseline
▲ 0.50% · 4.625%
HK$76,801
+HK$3,845/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,912/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,441 · Scale 2, in force from 26 Feb 2026)