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$35,550
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,656
−HK$1,123/mo
Today · 4.125%
HK$37,779
baseline
▲ 0.50% · 4.625%
HK$40,078
+HK$2,299/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$584,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,549
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,609
−HK$1,076/mo
Today · 4.125%
HK$41,685
baseline
▲ 0.50% · 4.625%
HK$43,883
+HK$2,198/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$584,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,660
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,987
−HK$1,348/mo
Today · 4.125%
HK$45,335
baseline
▲ 0.50% · 4.625%
HK$48,093
+HK$2,758/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$90,670/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,458
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,731
−HK$1,292/mo
Today · 4.125%
HK$50,023
baseline
▲ 0.50% · 4.625%
HK$52,659
+HK$2,636/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$100,046/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,770
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,318
−HK$1,573/mo
Today · 4.125%
HK$52,891
baseline
▲ 0.50% · 4.625%
HK$56,109
+HK$3,218/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,782/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,368
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,853
−HK$1,507/mo
Today · 4.125%
HK$58,360
baseline
▲ 0.50% · 4.625%
HK$61,436
+HK$3,076/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,720/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,990
−HK$4,012/mo
▼ 0.25% · 3.875%
HK$65,980
−HK$2,022/mo
Today · 4.125%
HK$68,002
baseline
▲ 0.50% · 4.625%
HK$72,140
+HK$4,138/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$136,004/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,188
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,097
−HK$1,937/mo
Today · 4.125%
HK$75,034
baseline
▲ 0.50% · 4.625%
HK$78,989
+HK$3,955/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,068/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,635 · Scale 2, in force from 26 Feb 2026)