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$35,569
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,675
−HK$1,124/mo
Today · 4.125%
HK$37,799
baseline
▲ 0.50% · 4.625%
HK$40,099
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,598/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,570
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,631
−HK$1,077/mo
Today · 4.125%
HK$41,708
baseline
▲ 0.50% · 4.625%
HK$43,906
+HK$2,198/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,416/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,682
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,010
−HK$1,349/mo
Today · 4.125%
HK$45,359
baseline
▲ 0.50% · 4.625%
HK$48,119
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,718/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,484
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,757
−HK$1,292/mo
Today · 4.125%
HK$50,049
baseline
▲ 0.50% · 4.625%
HK$52,687
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,098/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,796
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,345
−HK$1,574/mo
Today · 4.125%
HK$52,919
baseline
▲ 0.50% · 4.625%
HK$56,139
+HK$3,220/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,838/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,398
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,883
−HK$1,508/mo
Today · 4.125%
HK$58,391
baseline
▲ 0.50% · 4.625%
HK$61,468
+HK$3,077/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,782/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,023
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,015
−HK$2,023/mo
Today · 4.125%
HK$68,038
baseline
▲ 0.50% · 4.625%
HK$72,178
+HK$4,140/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,076/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,225
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,136
−HK$1,938/mo
Today · 4.125%
HK$75,074
baseline
▲ 0.50% · 4.625%
HK$79,031
+HK$3,957/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,148/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,944 · Scale 2, in force from 26 Feb 2026)