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$35,571
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,677
−HK$1,125/mo
Today · 4.125%
HK$37,802
baseline
▲ 0.50% · 4.625%
HK$40,102
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,604/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,572
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,634
−HK$1,076/mo
Today · 4.125%
HK$41,710
baseline
▲ 0.50% · 4.625%
HK$43,909
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,420/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,685
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,013
−HK$1,349/mo
Today · 4.125%
HK$45,362
baseline
▲ 0.50% · 4.625%
HK$48,122
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,724/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,487
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,760
−HK$1,292/mo
Today · 4.125%
HK$50,052
baseline
▲ 0.50% · 4.625%
HK$52,691
+HK$2,639/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,104/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,799
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,348
−HK$1,574/mo
Today · 4.125%
HK$52,922
baseline
▲ 0.50% · 4.625%
HK$56,142
+HK$3,220/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,844/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,401
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,887
−HK$1,507/mo
Today · 4.125%
HK$58,394
baseline
▲ 0.50% · 4.625%
HK$61,472
+HK$3,078/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,788/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,028
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,019
−HK$2,024/mo
Today · 4.125%
HK$68,043
baseline
▲ 0.50% · 4.625%
HK$72,183
+HK$4,140/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,086/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,230
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,140
−HK$1,938/mo
Today · 4.125%
HK$75,078
baseline
▲ 0.50% · 4.625%
HK$79,036
+HK$3,958/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,156/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,982 · Scale 2, in force from 26 Feb 2026)