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$35,575
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,682
−HK$1,124/mo
Today · 4.125%
HK$37,806
baseline
▲ 0.50% · 4.625%
HK$40,106
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,612/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,577
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,638
−HK$1,077/mo
Today · 4.125%
HK$41,715
baseline
▲ 0.50% · 4.625%
HK$43,914
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,430/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,690
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,018
−HK$1,349/mo
Today · 4.125%
HK$45,367
baseline
▲ 0.50% · 4.625%
HK$48,128
+HK$2,761/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,734/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,492
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,766
−HK$1,292/mo
Today · 4.125%
HK$50,058
baseline
▲ 0.50% · 4.625%
HK$52,697
+HK$2,639/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,116/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,805
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,354
−HK$1,574/mo
Today · 4.125%
HK$52,928
baseline
▲ 0.50% · 4.625%
HK$56,149
+HK$3,221/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,856/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,408
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,894
−HK$1,507/mo
Today · 4.125%
HK$58,401
baseline
▲ 0.50% · 4.625%
HK$61,479
+HK$3,078/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,802/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,035
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,027
−HK$2,024/mo
Today · 4.125%
HK$68,051
baseline
▲ 0.50% · 4.625%
HK$72,191
+HK$4,140/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,102/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,238
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,149
−HK$1,938/mo
Today · 4.125%
HK$75,087
baseline
▲ 0.50% · 4.625%
HK$79,045
+HK$3,958/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,174/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,050 · Scale 2, in force from 26 Feb 2026)