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$35,569
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,676
−HK$1,124/mo
Today · 4.125%
HK$37,800
baseline
▲ 0.50% · 4.625%
HK$40,100
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,600/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,570
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,632
−HK$1,076/mo
Today · 4.125%
HK$41,708
baseline
▲ 0.50% · 4.625%
HK$43,907
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,416/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,683
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,011
−HK$1,349/mo
Today · 4.125%
HK$45,360
baseline
▲ 0.50% · 4.625%
HK$48,120
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,720/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,484
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,758
−HK$1,292/mo
Today · 4.125%
HK$50,050
baseline
▲ 0.50% · 4.625%
HK$52,688
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,100/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,797
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,346
−HK$1,574/mo
Today · 4.125%
HK$52,920
baseline
▲ 0.50% · 4.625%
HK$56,140
+HK$3,220/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,840/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,399
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,884
−HK$1,508/mo
Today · 4.125%
HK$58,392
baseline
▲ 0.50% · 4.625%
HK$61,469
+HK$3,077/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,784/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,025
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$66,016
−HK$2,023/mo
Today · 4.125%
HK$68,039
baseline
▲ 0.50% · 4.625%
HK$72,179
+HK$4,140/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,078/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,227
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,137
−HK$1,938/mo
Today · 4.125%
HK$75,075
baseline
▲ 0.50% · 4.625%
HK$79,032
+HK$3,957/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,150/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,954 · Scale 2, in force from 26 Feb 2026)