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$34,939
−HK$2,192/mo
▼ 0.25% · 3.875%
HK$36,026
−HK$1,105/mo
Today · 4.125%
HK$37,131
baseline
▲ 0.50% · 4.625%
HK$39,390
+HK$2,259/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$74,262/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,870
−HK$2,100/mo
▼ 0.25% · 3.875%
HK$39,912
−HK$1,058/mo
Today · 4.125%
HK$40,970
baseline
▲ 0.50% · 4.625%
HK$43,129
+HK$2,159/mo
Deposit HK$7.66M · loan HK$7.66M · min. income ≈ HK$81,940/mo (50% DSR)
Upfront cash ≈ HK$8.24M (deposit + AVD stamp duty HK$574,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,927
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,232
−HK$1,325/mo
Today · 4.125%
HK$44,557
baseline
▲ 0.50% · 4.625%
HK$47,268
+HK$2,711/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$89,114/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,644
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,895
−HK$1,269/mo
Today · 4.125%
HK$49,164
baseline
▲ 0.50% · 4.625%
HK$51,755
+HK$2,591/mo
Deposit HK$6.13M · loan HK$9.19M · min. income ≈ HK$98,328/mo (50% DSR)
Upfront cash ≈ HK$6.70M (deposit + AVD stamp duty HK$574,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,915
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,437
−HK$1,546/mo
Today · 4.125%
HK$51,983
baseline
▲ 0.50% · 4.625%
HK$55,146
+HK$3,163/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$103,966/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,418
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,877
−HK$1,481/mo
Today · 4.125%
HK$57,358
baseline
▲ 0.50% · 4.625%
HK$60,381
+HK$3,023/mo
Deposit HK$4.60M · loan HK$10.73M · min. income ≈ HK$114,716/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$574,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,891
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,847
−HK$1,988/mo
Today · 4.125%
HK$66,835
baseline
▲ 0.50% · 4.625%
HK$70,902
+HK$4,067/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$133,670/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,966
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,842
−HK$1,904/mo
Today · 4.125%
HK$73,746
baseline
▲ 0.50% · 4.625%
HK$77,633
+HK$3,887/mo
Deposit HK$1.53M · loan HK$13.79M · min. income ≈ HK$147,492/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$574,599 · Scale 2, in force from 26 Feb 2026)