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$35,564
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,670
−HK$1,124/mo
Today · 4.125%
HK$37,794
baseline
▲ 0.50% · 4.625%
HK$40,094
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,588/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,565
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,626
−HK$1,076/mo
Today · 4.125%
HK$41,702
baseline
▲ 0.50% · 4.625%
HK$43,901
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,404/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,677
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,004
−HK$1,349/mo
Today · 4.125%
HK$45,353
baseline
▲ 0.50% · 4.625%
HK$48,113
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,706/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,478
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,751
−HK$1,292/mo
Today · 4.125%
HK$50,043
baseline
▲ 0.50% · 4.625%
HK$52,681
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,086/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,790
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,339
−HK$1,573/mo
Today · 4.125%
HK$52,912
baseline
▲ 0.50% · 4.625%
HK$56,132
+HK$3,220/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,824/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,391
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,876
−HK$1,507/mo
Today · 4.125%
HK$58,383
baseline
▲ 0.50% · 4.625%
HK$61,461
+HK$3,078/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,766/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,015
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,007
−HK$2,023/mo
Today · 4.125%
HK$68,030
baseline
▲ 0.50% · 4.625%
HK$72,169
+HK$4,139/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,060/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,217
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,127
−HK$1,937/mo
Today · 4.125%
HK$75,064
baseline
▲ 0.50% · 4.625%
HK$79,021
+HK$3,957/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,128/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,872 · Scale 2, in force from 26 Feb 2026)