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$35,587
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,694
−HK$1,124/mo
Today · 4.125%
HK$37,818
baseline
▲ 0.50% · 4.625%
HK$40,120
+HK$2,302/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,636/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,590
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,652
−HK$1,077/mo
Today · 4.125%
HK$41,729
baseline
▲ 0.50% · 4.625%
HK$43,928
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,458/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,704
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,032
−HK$1,350/mo
Today · 4.125%
HK$45,382
baseline
▲ 0.50% · 4.625%
HK$48,143
+HK$2,761/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,764/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,508
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,782
−HK$1,293/mo
Today · 4.125%
HK$50,075
baseline
▲ 0.50% · 4.625%
HK$52,714
+HK$2,639/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,150/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,821
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,371
−HK$1,575/mo
Today · 4.125%
HK$52,946
baseline
▲ 0.50% · 4.625%
HK$56,167
+HK$3,221/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,892/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,426
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,912
−HK$1,508/mo
Today · 4.125%
HK$58,420
baseline
▲ 0.50% · 4.625%
HK$61,500
+HK$3,080/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,840/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,056
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,049
−HK$2,024/mo
Today · 4.125%
HK$68,073
baseline
▲ 0.50% · 4.625%
HK$72,215
+HK$4,142/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,146/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,262
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,173
−HK$1,939/mo
Today · 4.125%
HK$75,112
baseline
▲ 0.50% · 4.625%
HK$79,071
+HK$3,959/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,224/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,243 · Scale 2, in force from 26 Feb 2026)