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$35,554
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,660
−HK$1,124/mo
Today · 4.125%
HK$37,784
baseline
▲ 0.50% · 4.625%
HK$40,083
+HK$2,299/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,568/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,554
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,615
−HK$1,076/mo
Today · 4.125%
HK$41,691
baseline
▲ 0.50% · 4.625%
HK$43,888
+HK$2,197/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,382/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,665
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,992
−HK$1,349/mo
Today · 4.125%
HK$45,341
baseline
▲ 0.50% · 4.625%
HK$48,099
+HK$2,758/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,682/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,465
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,738
−HK$1,291/mo
Today · 4.125%
HK$50,029
baseline
▲ 0.50% · 4.625%
HK$52,666
+HK$2,637/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,058/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,776
−HK$3,121/mo
▼ 0.25% · 3.875%
HK$51,324
−HK$1,573/mo
Today · 4.125%
HK$52,897
baseline
▲ 0.50% · 4.625%
HK$56,116
+HK$3,219/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,794/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,375
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,860
−HK$1,507/mo
Today · 4.125%
HK$58,367
baseline
▲ 0.50% · 4.625%
HK$61,444
+HK$3,077/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,734/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,998
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,988
−HK$2,023/mo
Today · 4.125%
HK$68,011
baseline
▲ 0.50% · 4.625%
HK$72,149
+HK$4,138/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$136,022/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,197
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,106
−HK$1,937/mo
Today · 4.125%
HK$75,043
baseline
▲ 0.50% · 4.625%
HK$78,999
+HK$3,956/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,086/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,709 · Scale 2, in force from 26 Feb 2026)