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$35,574
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,681
−HK$1,124/mo
Today · 4.125%
HK$37,805
baseline
▲ 0.50% · 4.625%
HK$40,105
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,610/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,576
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,637
−HK$1,077/mo
Today · 4.125%
HK$41,714
baseline
▲ 0.50% · 4.625%
HK$43,913
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,428/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,689
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,017
−HK$1,349/mo
Today · 4.125%
HK$45,366
baseline
▲ 0.50% · 4.625%
HK$48,126
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,732/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,491
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,765
−HK$1,292/mo
Today · 4.125%
HK$50,057
baseline
▲ 0.50% · 4.625%
HK$52,695
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,114/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,804
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,353
−HK$1,574/mo
Today · 4.125%
HK$52,927
baseline
▲ 0.50% · 4.625%
HK$56,147
+HK$3,220/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,854/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,406
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,892
−HK$1,507/mo
Today · 4.125%
HK$58,399
baseline
▲ 0.50% · 4.625%
HK$61,478
+HK$3,079/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,798/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,033
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,025
−HK$2,024/mo
Today · 4.125%
HK$68,049
baseline
▲ 0.50% · 4.625%
HK$72,189
+HK$4,140/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,098/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,236
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,147
−HK$1,938/mo
Today · 4.125%
HK$75,085
baseline
▲ 0.50% · 4.625%
HK$79,043
+HK$3,958/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,170/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,033 · Scale 2, in force from 26 Feb 2026)