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$35,568
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,674
−HK$1,124/mo
Today · 4.125%
HK$37,798
baseline
▲ 0.50% · 4.625%
HK$40,098
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,596/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,569
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,630
−HK$1,076/mo
Today · 4.125%
HK$41,706
baseline
▲ 0.50% · 4.625%
HK$43,905
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,412/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,681
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,009
−HK$1,349/mo
Today · 4.125%
HK$45,358
baseline
▲ 0.50% · 4.625%
HK$48,118
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,716/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,482
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,756
−HK$1,292/mo
Today · 4.125%
HK$50,048
baseline
▲ 0.50% · 4.625%
HK$52,686
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,096/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,795
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,344
−HK$1,573/mo
Today · 4.125%
HK$52,917
baseline
▲ 0.50% · 4.625%
HK$56,137
+HK$3,220/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,834/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,396
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,882
−HK$1,507/mo
Today · 4.125%
HK$58,389
baseline
▲ 0.50% · 4.625%
HK$61,467
+HK$3,078/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,778/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,022
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,013
−HK$2,024/mo
Today · 4.125%
HK$68,037
baseline
▲ 0.50% · 4.625%
HK$72,176
+HK$4,139/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,074/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,224
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,134
−HK$1,938/mo
Today · 4.125%
HK$75,072
baseline
▲ 0.50% · 4.625%
HK$79,029
+HK$3,957/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,144/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,929 · Scale 2, in force from 26 Feb 2026)