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$35,557
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,663
−HK$1,124/mo
Today · 4.125%
HK$37,787
baseline
▲ 0.50% · 4.625%
HK$40,086
+HK$2,299/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,574/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,557
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,618
−HK$1,076/mo
Today · 4.125%
HK$41,694
baseline
▲ 0.50% · 4.625%
HK$43,892
+HK$2,198/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,388/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,669
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,996
−HK$1,348/mo
Today · 4.125%
HK$45,344
baseline
▲ 0.50% · 4.625%
HK$48,104
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,688/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,469
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,742
−HK$1,291/mo
Today · 4.125%
HK$50,033
baseline
▲ 0.50% · 4.625%
HK$52,670
+HK$2,637/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,066/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,780
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,329
−HK$1,573/mo
Today · 4.125%
HK$52,902
baseline
▲ 0.50% · 4.625%
HK$56,121
+HK$3,219/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,804/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,380
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,865
−HK$1,507/mo
Today · 4.125%
HK$58,372
baseline
▲ 0.50% · 4.625%
HK$61,449
+HK$3,077/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,744/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,003
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$65,994
−HK$2,023/mo
Today · 4.125%
HK$68,017
baseline
▲ 0.50% · 4.625%
HK$72,155
+HK$4,138/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$136,034/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,203
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,112
−HK$1,938/mo
Today · 4.125%
HK$75,050
baseline
▲ 0.50% · 4.625%
HK$79,006
+HK$3,956/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,100/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,758 · Scale 2, in force from 26 Feb 2026)