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$35,549
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,655
−HK$1,124/mo
Today · 4.125%
HK$37,779
baseline
▲ 0.50% · 4.625%
HK$40,077
+HK$2,298/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,558/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,548
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,609
−HK$1,076/mo
Today · 4.125%
HK$41,685
baseline
▲ 0.50% · 4.625%
HK$43,882
+HK$2,197/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,370/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,659
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,986
−HK$1,348/mo
Today · 4.125%
HK$45,334
baseline
▲ 0.50% · 4.625%
HK$48,093
+HK$2,759/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$90,668/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,458
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,731
−HK$1,291/mo
Today · 4.125%
HK$50,022
baseline
▲ 0.50% · 4.625%
HK$52,659
+HK$2,637/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$100,044/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,769
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,317
−HK$1,573/mo
Today · 4.125%
HK$52,890
baseline
▲ 0.50% · 4.625%
HK$56,108
+HK$3,218/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,780/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,368
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,852
−HK$1,507/mo
Today · 4.125%
HK$58,359
baseline
▲ 0.50% · 4.625%
HK$61,435
+HK$3,076/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,718/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,989
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,979
−HK$2,022/mo
Today · 4.125%
HK$68,001
baseline
▲ 0.50% · 4.625%
HK$72,139
+HK$4,138/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$136,002/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,187
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,096
−HK$1,937/mo
Today · 4.125%
HK$75,033
baseline
▲ 0.50% · 4.625%
HK$78,988
+HK$3,955/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,066/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,627 · Scale 2, in force from 26 Feb 2026)