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$35,556
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,662
−HK$1,123/mo
Today · 4.125%
HK$37,785
baseline
▲ 0.50% · 4.625%
HK$40,085
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,570/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,555
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,616
−HK$1,076/mo
Today · 4.125%
HK$41,692
baseline
▲ 0.50% · 4.625%
HK$43,890
+HK$2,198/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,384/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,667
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,994
−HK$1,348/mo
Today · 4.125%
HK$45,342
baseline
▲ 0.50% · 4.625%
HK$48,101
+HK$2,759/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,684/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,466
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,740
−HK$1,291/mo
Today · 4.125%
HK$50,031
baseline
▲ 0.50% · 4.625%
HK$52,668
+HK$2,637/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,062/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,778
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,326
−HK$1,574/mo
Today · 4.125%
HK$52,900
baseline
▲ 0.50% · 4.625%
HK$56,118
+HK$3,218/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,800/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,378
−HK$2,991/mo
▼ 0.25% · 3.875%
HK$56,863
−HK$1,506/mo
Today · 4.125%
HK$58,369
baseline
▲ 0.50% · 4.625%
HK$61,446
+HK$3,077/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,738/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,000
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$65,991
−HK$2,023/mo
Today · 4.125%
HK$68,014
baseline
▲ 0.50% · 4.625%
HK$72,152
+HK$4,138/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$136,028/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,200
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,109
−HK$1,937/mo
Today · 4.125%
HK$75,046
baseline
▲ 0.50% · 4.625%
HK$79,002
+HK$3,956/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,092/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,733 · Scale 2, in force from 26 Feb 2026)