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$35,589
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,696
−HK$1,124/mo
Today · 4.125%
HK$37,820
baseline
▲ 0.50% · 4.625%
HK$40,122
+HK$2,302/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,640/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,592
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,654
−HK$1,077/mo
Today · 4.125%
HK$41,731
baseline
▲ 0.50% · 4.625%
HK$43,931
+HK$2,200/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,462/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,707
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,035
−HK$1,350/mo
Today · 4.125%
HK$45,385
baseline
▲ 0.50% · 4.625%
HK$48,146
+HK$2,761/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,770/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,511
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,785
−HK$1,292/mo
Today · 4.125%
HK$50,077
baseline
▲ 0.50% · 4.625%
HK$52,717
+HK$2,640/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,154/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,824
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,374
−HK$1,575/mo
Today · 4.125%
HK$52,949
baseline
▲ 0.50% · 4.625%
HK$56,170
+HK$3,221/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,898/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,429
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,916
−HK$1,508/mo
Today · 4.125%
HK$58,424
baseline
▲ 0.50% · 4.625%
HK$61,503
+HK$3,079/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,848/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,060
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,052
−HK$2,025/mo
Today · 4.125%
HK$68,077
baseline
▲ 0.50% · 4.625%
HK$72,219
+HK$4,142/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,154/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,266
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,177
−HK$1,939/mo
Today · 4.125%
HK$75,116
baseline
▲ 0.50% · 4.625%
HK$79,076
+HK$3,960/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,232/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,276 · Scale 2, in force from 26 Feb 2026)