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$35,552
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,658
−HK$1,123/mo
Today · 4.125%
HK$37,781
baseline
▲ 0.50% · 4.625%
HK$40,080
+HK$2,299/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,562/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,551
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,612
−HK$1,076/mo
Today · 4.125%
HK$41,688
baseline
▲ 0.50% · 4.625%
HK$43,885
+HK$2,197/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,376/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,662
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,989
−HK$1,348/mo
Today · 4.125%
HK$45,337
baseline
▲ 0.50% · 4.625%
HK$48,096
+HK$2,759/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$90,674/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,461
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,734
−HK$1,291/mo
Today · 4.125%
HK$50,025
baseline
▲ 0.50% · 4.625%
HK$52,662
+HK$2,637/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$100,050/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,772
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,321
−HK$1,573/mo
Today · 4.125%
HK$52,894
baseline
▲ 0.50% · 4.625%
HK$56,112
+HK$3,218/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,788/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,371
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,856
−HK$1,507/mo
Today · 4.125%
HK$58,363
baseline
▲ 0.50% · 4.625%
HK$61,439
+HK$3,076/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,726/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,993
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,984
−HK$2,022/mo
Today · 4.125%
HK$68,006
baseline
▲ 0.50% · 4.625%
HK$72,144
+HK$4,138/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$136,012/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,192
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,101
−HK$1,937/mo
Today · 4.125%
HK$75,038
baseline
▲ 0.50% · 4.625%
HK$78,993
+HK$3,955/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,076/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,667 · Scale 2, in force from 26 Feb 2026)