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$2,191/mo
▼ 0.25% · 3.875%
HK$36,019
−HK$1,104/mo
Today · 4.125%
HK$37,123
baseline
▲ 0.50% · 4.625%
HK$39,382
+HK$2,259/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,246/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$574,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,862
−HK$2,099/mo
▼ 0.25% · 3.875%
HK$39,904
−HK$1,057/mo
Today · 4.125%
HK$40,961
baseline
▲ 0.50% · 4.625%
HK$43,121
+HK$2,160/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$574,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,919
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,223
−HK$1,324/mo
Today · 4.125%
HK$44,547
baseline
▲ 0.50% · 4.625%
HK$47,258
+HK$2,711/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$574,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,634
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,885
−HK$1,269/mo
Today · 4.125%
HK$49,154
baseline
▲ 0.50% · 4.625%
HK$51,745
+HK$2,591/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,308/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,905
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,426
−HK$1,546/mo
Today · 4.125%
HK$51,972
baseline
▲ 0.50% · 4.625%
HK$55,134
+HK$3,162/mo
Deposit HK$4.60M · loan HK$10.72M · min. income ≈ HK$103,944/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,407
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,866
−HK$1,480/mo
Today · 4.125%
HK$57,346
baseline
▲ 0.50% · 4.625%
HK$60,369
+HK$3,023/mo
Deposit HK$4.60M · loan HK$10.72M · min. income ≈ HK$114,692/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,878
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,834
−HK$1,987/mo
Today · 4.125%
HK$66,821
baseline
▲ 0.50% · 4.625%
HK$70,887
+HK$4,066/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,642/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,951
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,827
−HK$1,904/mo
Today · 4.125%
HK$73,731
baseline
▲ 0.50% · 4.625%
HK$77,617
+HK$3,886/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,462/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,480 · Scale 2, in force from 26 Feb 2026)