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$35,558
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,664
−HK$1,124/mo
Today · 4.125%
HK$37,788
baseline
▲ 0.50% · 4.625%
HK$40,087
+HK$2,299/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,576/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,558
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,619
−HK$1,076/mo
Today · 4.125%
HK$41,695
baseline
▲ 0.50% · 4.625%
HK$43,893
+HK$2,198/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,390/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,670
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,997
−HK$1,348/mo
Today · 4.125%
HK$45,345
baseline
▲ 0.50% · 4.625%
HK$48,105
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,690/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,470
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,743
−HK$1,291/mo
Today · 4.125%
HK$50,034
baseline
▲ 0.50% · 4.625%
HK$52,672
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,068/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,781
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,330
−HK$1,573/mo
Today · 4.125%
HK$52,903
baseline
▲ 0.50% · 4.625%
HK$56,122
+HK$3,219/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,806/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,381
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,866
−HK$1,507/mo
Today · 4.125%
HK$58,373
baseline
▲ 0.50% · 4.625%
HK$61,450
+HK$3,077/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,746/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,004
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$65,995
−HK$2,023/mo
Today · 4.125%
HK$68,018
baseline
▲ 0.50% · 4.625%
HK$72,157
+HK$4,139/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$136,036/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,204
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,114
−HK$1,937/mo
Today · 4.125%
HK$75,051
baseline
▲ 0.50% · 4.625%
HK$79,007
+HK$3,956/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,102/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,771 · Scale 2, in force from 26 Feb 2026)