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$35,591
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,698
−HK$1,124/mo
Today · 4.125%
HK$37,822
baseline
▲ 0.50% · 4.625%
HK$40,124
+HK$2,302/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,644/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,594
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,656
−HK$1,077/mo
Today · 4.125%
HK$41,733
baseline
▲ 0.50% · 4.625%
HK$43,933
+HK$2,200/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,466/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,709
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,037
−HK$1,350/mo
Today · 4.125%
HK$45,387
baseline
▲ 0.50% · 4.625%
HK$48,149
+HK$2,762/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,774/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,513
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,787
−HK$1,293/mo
Today · 4.125%
HK$50,080
baseline
▲ 0.50% · 4.625%
HK$52,720
+HK$2,640/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,160/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,827
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,377
−HK$1,574/mo
Today · 4.125%
HK$52,951
baseline
▲ 0.50% · 4.625%
HK$56,173
+HK$3,222/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,902/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,432
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,919
−HK$1,508/mo
Today · 4.125%
HK$58,427
baseline
▲ 0.50% · 4.625%
HK$61,506
+HK$3,079/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,854/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,063
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,056
−HK$2,024/mo
Today · 4.125%
HK$68,080
baseline
▲ 0.50% · 4.625%
HK$72,223
+HK$4,143/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,160/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,270
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,181
−HK$1,939/mo
Today · 4.125%
HK$75,120
baseline
▲ 0.50% · 4.625%
HK$79,080
+HK$3,960/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,240/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,307 · Scale 2, in force from 26 Feb 2026)