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$35,576
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,683
−HK$1,124/mo
Today · 4.125%
HK$37,807
baseline
▲ 0.50% · 4.625%
HK$40,108
+HK$2,301/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,614/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,578
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,640
−HK$1,077/mo
Today · 4.125%
HK$41,717
baseline
▲ 0.50% · 4.625%
HK$43,916
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,434/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,692
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,020
−HK$1,349/mo
Today · 4.125%
HK$45,369
baseline
▲ 0.50% · 4.625%
HK$48,129
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,738/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,494
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,768
−HK$1,292/mo
Today · 4.125%
HK$50,060
baseline
▲ 0.50% · 4.625%
HK$52,699
+HK$2,639/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,120/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,807
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,356
−HK$1,574/mo
Today · 4.125%
HK$52,930
baseline
▲ 0.50% · 4.625%
HK$56,151
+HK$3,221/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,860/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,410
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,896
−HK$1,507/mo
Today · 4.125%
HK$58,403
baseline
▲ 0.50% · 4.625%
HK$61,482
+HK$3,079/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,806/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,037
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$66,029
−HK$2,024/mo
Today · 4.125%
HK$68,053
baseline
▲ 0.50% · 4.625%
HK$72,194
+HK$4,141/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,106/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,241
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$73,152
−HK$1,938/mo
Today · 4.125%
HK$75,090
baseline
▲ 0.50% · 4.625%
HK$79,048
+HK$3,958/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,180/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,072 · Scale 2, in force from 26 Feb 2026)