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$35,574
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,681
−HK$1,124/mo
Today · 4.125%
HK$37,805
baseline
▲ 0.50% · 4.625%
HK$40,106
+HK$2,301/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,610/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,576
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,638
−HK$1,076/mo
Today · 4.125%
HK$41,714
baseline
▲ 0.50% · 4.625%
HK$43,913
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,428/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,689
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,017
−HK$1,349/mo
Today · 4.125%
HK$45,366
baseline
▲ 0.50% · 4.625%
HK$48,127
+HK$2,761/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,732/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,491
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,765
−HK$1,292/mo
Today · 4.125%
HK$50,057
baseline
▲ 0.50% · 4.625%
HK$52,696
+HK$2,639/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,114/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,804
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,353
−HK$1,574/mo
Today · 4.125%
HK$52,927
baseline
▲ 0.50% · 4.625%
HK$56,148
+HK$3,221/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,854/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,407
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,893
−HK$1,507/mo
Today · 4.125%
HK$58,400
baseline
▲ 0.50% · 4.625%
HK$61,479
+HK$3,079/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,800/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,034
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,026
−HK$2,024/mo
Today · 4.125%
HK$68,050
baseline
▲ 0.50% · 4.625%
HK$72,190
+HK$4,140/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,100/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,237
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,148
−HK$1,938/mo
Today · 4.125%
HK$75,086
baseline
▲ 0.50% · 4.625%
HK$79,044
+HK$3,958/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,172/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,041 · Scale 2, in force from 26 Feb 2026)