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$34,542
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,617
−HK$1,092/mo
Today · 4.125%
HK$36,709
baseline
▲ 0.50% · 4.625%
HK$38,942
+HK$2,233/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$73,418/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,428
−HK$2,076/mo
▼ 0.25% · 3.875%
HK$39,459
−HK$1,045/mo
Today · 4.125%
HK$40,504
baseline
▲ 0.50% · 4.625%
HK$42,639
+HK$2,135/mo
Deposit HK$7.57M · loan HK$7.57M · min. income ≈ HK$81,008/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,451
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$42,740
−HK$1,310/mo
Today · 4.125%
HK$44,050
baseline
▲ 0.50% · 4.625%
HK$46,731
+HK$2,681/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,100/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,114
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$47,350
−HK$1,255/mo
Today · 4.125%
HK$48,605
baseline
▲ 0.50% · 4.625%
HK$51,167
+HK$2,562/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,210/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,359
−HK$3,033/mo
▼ 0.25% · 3.875%
HK$49,864
−HK$1,528/mo
Today · 4.125%
HK$51,392
baseline
▲ 0.50% · 4.625%
HK$54,519
+HK$3,127/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$102,784/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,799
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,242
−HK$1,464/mo
Today · 4.125%
HK$56,706
baseline
▲ 0.50% · 4.625%
HK$59,695
+HK$2,989/mo
Deposit HK$4.54M · loan HK$10.60M · min. income ≈ HK$113,412/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,176
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,110
−HK$1,965/mo
Today · 4.125%
HK$66,075
baseline
▲ 0.50% · 4.625%
HK$70,096
+HK$4,021/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$132,150/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,171
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,026
−HK$1,882/mo
Today · 4.125%
HK$72,908
baseline
▲ 0.50% · 4.625%
HK$76,751
+HK$3,843/mo
Deposit HK$1.51M · loan HK$13.63M · min. income ≈ HK$145,816/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,068 · Scale 2, in force from 26 Feb 2026)