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$34,944
−HK$2,191/mo
▼ 0.25% · 3.875%
HK$36,031
−HK$1,104/mo
Today · 4.125%
HK$37,135
baseline
▲ 0.50% · 4.625%
HK$39,395
+HK$2,260/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,270/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,875
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,917
−HK$1,058/mo
Today · 4.125%
HK$40,975
baseline
▲ 0.50% · 4.625%
HK$43,135
+HK$2,160/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,950/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,933
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,237
−HK$1,325/mo
Today · 4.125%
HK$44,562
baseline
▲ 0.50% · 4.625%
HK$47,274
+HK$2,712/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,124/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,650
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,901
−HK$1,269/mo
Today · 4.125%
HK$49,170
baseline
▲ 0.50% · 4.625%
HK$51,762
+HK$2,592/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,340/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,922
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,443
−HK$1,546/mo
Today · 4.125%
HK$51,989
baseline
▲ 0.50% · 4.625%
HK$55,153
+HK$3,164/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,978/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,425
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,884
−HK$1,481/mo
Today · 4.125%
HK$57,365
baseline
▲ 0.50% · 4.625%
HK$60,389
+HK$3,024/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,730/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,899
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,856
−HK$1,988/mo
Today · 4.125%
HK$66,844
baseline
▲ 0.50% · 4.625%
HK$70,911
+HK$4,067/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,688/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,975
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,851
−HK$1,904/mo
Today · 4.125%
HK$73,755
baseline
▲ 0.50% · 4.625%
HK$77,643
+HK$3,888/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,510/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,672 · Scale 2, in force from 26 Feb 2026)