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$35,571
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,678
−HK$1,124/mo
Today · 4.125%
HK$37,802
baseline
▲ 0.50% · 4.625%
HK$40,102
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,604/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,573
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,634
−HK$1,077/mo
Today · 4.125%
HK$41,711
baseline
▲ 0.50% · 4.625%
HK$43,910
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,422/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,686
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,014
−HK$1,349/mo
Today · 4.125%
HK$45,363
baseline
▲ 0.50% · 4.625%
HK$48,123
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,726/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,487
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,761
−HK$1,292/mo
Today · 4.125%
HK$50,053
baseline
▲ 0.50% · 4.625%
HK$52,691
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,106/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,800
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,349
−HK$1,574/mo
Today · 4.125%
HK$52,923
baseline
▲ 0.50% · 4.625%
HK$56,143
+HK$3,220/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,846/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,402
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,888
−HK$1,507/mo
Today · 4.125%
HK$58,395
baseline
▲ 0.50% · 4.625%
HK$61,473
+HK$3,078/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,790/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,029
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,020
−HK$2,024/mo
Today · 4.125%
HK$68,044
baseline
▲ 0.50% · 4.625%
HK$72,184
+HK$4,140/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,088/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,231
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,142
−HK$1,938/mo
Today · 4.125%
HK$75,080
baseline
▲ 0.50% · 4.625%
HK$79,037
+HK$3,957/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,160/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,992 · Scale 2, in force from 26 Feb 2026)