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$35,582
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,689
−HK$1,124/mo
Today · 4.125%
HK$37,813
baseline
▲ 0.50% · 4.625%
HK$40,114
+HK$2,301/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,626/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,585
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,646
−HK$1,077/mo
Today · 4.125%
HK$41,723
baseline
▲ 0.50% · 4.625%
HK$43,923
+HK$2,200/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,446/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,699
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,027
−HK$1,349/mo
Today · 4.125%
HK$45,376
baseline
▲ 0.50% · 4.625%
HK$48,137
+HK$2,761/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,752/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,502
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,776
−HK$1,292/mo
Today · 4.125%
HK$50,068
baseline
▲ 0.50% · 4.625%
HK$52,707
+HK$2,639/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,136/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,815
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,365
−HK$1,574/mo
Today · 4.125%
HK$52,939
baseline
▲ 0.50% · 4.625%
HK$56,160
+HK$3,221/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,878/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,419
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,905
−HK$1,508/mo
Today · 4.125%
HK$58,413
baseline
▲ 0.50% · 4.625%
HK$61,492
+HK$3,079/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,826/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,048
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,040
−HK$2,024/mo
Today · 4.125%
HK$68,064
baseline
▲ 0.50% · 4.625%
HK$72,206
+HK$4,142/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,128/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,253
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,164
−HK$1,938/mo
Today · 4.125%
HK$75,102
baseline
▲ 0.50% · 4.625%
HK$79,061
+HK$3,959/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,204/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,168 · Scale 2, in force from 26 Feb 2026)