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$34,552
−HK$2,167/mo
▼ 0.25% · 3.875%
HK$35,627
−HK$1,092/mo
Today · 4.125%
HK$36,719
baseline
▲ 0.50% · 4.625%
HK$38,953
+HK$2,234/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$73,438/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,439
−HK$2,077/mo
▼ 0.25% · 3.875%
HK$39,470
−HK$1,046/mo
Today · 4.125%
HK$40,516
baseline
▲ 0.50% · 4.625%
HK$42,652
+HK$2,136/mo
Deposit HK$7.58M · loan HK$7.58M · min. income ≈ HK$81,032/mo (50% DSR)
Upfront cash ≈ HK$8.14M (deposit + AVD stamp duty HK$568,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,463
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,753
−HK$1,310/mo
Today · 4.125%
HK$44,063
baseline
▲ 0.50% · 4.625%
HK$46,744
+HK$2,681/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$88,126/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,127
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,364
−HK$1,255/mo
Today · 4.125%
HK$48,619
baseline
▲ 0.50% · 4.625%
HK$51,182
+HK$2,563/mo
Deposit HK$6.06M · loan HK$9.09M · min. income ≈ HK$97,238/mo (50% DSR)
Upfront cash ≈ HK$6.63M (deposit + AVD stamp duty HK$568,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,373
−HK$3,034/mo
▼ 0.25% · 3.875%
HK$49,878
−HK$1,529/mo
Today · 4.125%
HK$51,407
baseline
▲ 0.50% · 4.625%
HK$54,535
+HK$3,128/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$102,814/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,815
−HK$2,907/mo
▼ 0.25% · 3.875%
HK$55,258
−HK$1,464/mo
Today · 4.125%
HK$56,722
baseline
▲ 0.50% · 4.625%
HK$59,712
+HK$2,990/mo
Deposit HK$4.55M · loan HK$10.61M · min. income ≈ HK$113,444/mo (50% DSR)
Upfront cash ≈ HK$5.11M (deposit + AVD stamp duty HK$568,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,194
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,129
−HK$1,966/mo
Today · 4.125%
HK$66,095
baseline
▲ 0.50% · 4.625%
HK$70,116
+HK$4,021/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$132,190/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,191
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,046
−HK$1,883/mo
Today · 4.125%
HK$72,929
baseline
▲ 0.50% · 4.625%
HK$76,773
+HK$3,844/mo
Deposit HK$1.52M · loan HK$13.64M · min. income ≈ HK$145,858/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$568,233 · Scale 2, in force from 26 Feb 2026)