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$35,584
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,691
−HK$1,124/mo
Today · 4.125%
HK$37,815
baseline
▲ 0.50% · 4.625%
HK$40,116
+HK$2,301/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,630/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,587
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,648
−HK$1,077/mo
Today · 4.125%
HK$41,725
baseline
▲ 0.50% · 4.625%
HK$43,925
+HK$2,200/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,450/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,700
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,029
−HK$1,349/mo
Today · 4.125%
HK$45,378
baseline
▲ 0.50% · 4.625%
HK$48,139
+HK$2,761/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,756/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,504
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,778
−HK$1,292/mo
Today · 4.125%
HK$50,070
baseline
▲ 0.50% · 4.625%
HK$52,710
+HK$2,640/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,140/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,817
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,367
−HK$1,574/mo
Today · 4.125%
HK$52,941
baseline
▲ 0.50% · 4.625%
HK$56,163
+HK$3,222/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,882/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,421
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,908
−HK$1,507/mo
Today · 4.125%
HK$58,415
baseline
▲ 0.50% · 4.625%
HK$61,495
+HK$3,080/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,830/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,051
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,043
−HK$2,024/mo
Today · 4.125%
HK$68,067
baseline
▲ 0.50% · 4.625%
HK$72,209
+HK$4,142/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,134/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,256
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,167
−HK$1,939/mo
Today · 4.125%
HK$75,106
baseline
▲ 0.50% · 4.625%
HK$79,064
+HK$3,958/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,212/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,194 · Scale 2, in force from 26 Feb 2026)