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$35,551
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,657
−HK$1,123/mo
Today · 4.125%
HK$37,780
baseline
▲ 0.50% · 4.625%
HK$40,079
+HK$2,299/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,560/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,550
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,611
−HK$1,076/mo
Today · 4.125%
HK$41,687
baseline
▲ 0.50% · 4.625%
HK$43,884
+HK$2,197/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,374/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,661
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,988
−HK$1,348/mo
Today · 4.125%
HK$45,336
baseline
▲ 0.50% · 4.625%
HK$48,095
+HK$2,759/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$90,672/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,460
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,733
−HK$1,291/mo
Today · 4.125%
HK$50,024
baseline
▲ 0.50% · 4.625%
HK$52,661
+HK$2,637/mo
Deposit HK$6.24M · loan HK$9.35M · min. income ≈ HK$100,048/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,771
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,320
−HK$1,573/mo
Today · 4.125%
HK$52,893
baseline
▲ 0.50% · 4.625%
HK$56,111
+HK$3,218/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$105,786/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,370
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,855
−HK$1,507/mo
Today · 4.125%
HK$58,362
baseline
▲ 0.50% · 4.625%
HK$61,438
+HK$3,076/mo
Deposit HK$4.68M · loan HK$10.91M · min. income ≈ HK$116,724/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,992
−HK$4,013/mo
▼ 0.25% · 3.875%
HK$65,982
−HK$2,023/mo
Today · 4.125%
HK$68,005
baseline
▲ 0.50% · 4.625%
HK$72,143
+HK$4,138/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$136,010/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,190
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$73,100
−HK$1,936/mo
Today · 4.125%
HK$75,036
baseline
▲ 0.50% · 4.625%
HK$78,992
+HK$3,956/mo
Deposit HK$1.56M · loan HK$14.03M · min. income ≈ HK$150,072/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,655 · Scale 2, in force from 26 Feb 2026)