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$34,932
−HK$2,190/mo
▼ 0.25% · 3.875%
HK$36,018
−HK$1,104/mo
Today · 4.125%
HK$37,122
baseline
▲ 0.50% · 4.625%
HK$39,381
+HK$2,259/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,244/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,861
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,904
−HK$1,057/mo
Today · 4.125%
HK$40,961
baseline
▲ 0.50% · 4.625%
HK$43,120
+HK$2,159/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,922/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,918
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,222
−HK$1,325/mo
Today · 4.125%
HK$44,547
baseline
▲ 0.50% · 4.625%
HK$47,257
+HK$2,710/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,094/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,634
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,884
−HK$1,269/mo
Today · 4.125%
HK$49,153
baseline
▲ 0.50% · 4.625%
HK$51,744
+HK$2,591/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,306/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,905
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,426
−HK$1,545/mo
Today · 4.125%
HK$51,971
baseline
▲ 0.50% · 4.625%
HK$55,134
+HK$3,163/mo
Deposit HK$4.60M · loan HK$10.72M · min. income ≈ HK$103,942/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,406
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,865
−HK$1,480/mo
Today · 4.125%
HK$57,345
baseline
▲ 0.50% · 4.625%
HK$60,368
+HK$3,023/mo
Deposit HK$4.60M · loan HK$10.72M · min. income ≈ HK$114,690/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,877
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,833
−HK$1,987/mo
Today · 4.125%
HK$66,820
baseline
▲ 0.50% · 4.625%
HK$70,886
+HK$4,066/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,640/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,950
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,826
−HK$1,904/mo
Today · 4.125%
HK$73,730
baseline
▲ 0.50% · 4.625%
HK$77,616
+HK$3,886/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,460/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,472 · Scale 2, in force from 26 Feb 2026)