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$35,562
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,668
−HK$1,124/mo
Today · 4.125%
HK$37,792
baseline
▲ 0.50% · 4.625%
HK$40,091
+HK$2,299/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,584/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,562
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,623
−HK$1,077/mo
Today · 4.125%
HK$41,700
baseline
▲ 0.50% · 4.625%
HK$43,898
+HK$2,198/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,400/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,674
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,002
−HK$1,348/mo
Today · 4.125%
HK$45,350
baseline
▲ 0.50% · 4.625%
HK$48,110
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,700/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,475
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,748
−HK$1,291/mo
Today · 4.125%
HK$50,039
baseline
▲ 0.50% · 4.625%
HK$52,677
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,078/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,786
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,335
−HK$1,574/mo
Today · 4.125%
HK$52,909
baseline
▲ 0.50% · 4.625%
HK$56,128
+HK$3,219/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,818/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,387
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,872
−HK$1,507/mo
Today · 4.125%
HK$58,379
baseline
▲ 0.50% · 4.625%
HK$61,457
+HK$3,078/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,758/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,011
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$66,002
−HK$2,023/mo
Today · 4.125%
HK$68,025
baseline
▲ 0.50% · 4.625%
HK$72,164
+HK$4,139/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,050/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,212
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,122
−HK$1,937/mo
Today · 4.125%
HK$75,059
baseline
▲ 0.50% · 4.625%
HK$79,016
+HK$3,957/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,118/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,832 · Scale 2, in force from 26 Feb 2026)