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$35,586
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,693
−HK$1,125/mo
Today · 4.125%
HK$37,818
baseline
▲ 0.50% · 4.625%
HK$40,119
+HK$2,301/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,636/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,589
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,651
−HK$1,077/mo
Today · 4.125%
HK$41,728
baseline
▲ 0.50% · 4.625%
HK$43,928
+HK$2,200/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,456/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,703
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,032
−HK$1,349/mo
Today · 4.125%
HK$45,381
baseline
▲ 0.50% · 4.625%
HK$48,142
+HK$2,761/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,762/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,507
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,781
−HK$1,293/mo
Today · 4.125%
HK$50,074
baseline
▲ 0.50% · 4.625%
HK$52,713
+HK$2,639/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,148/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,820
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,370
−HK$1,575/mo
Today · 4.125%
HK$52,945
baseline
▲ 0.50% · 4.625%
HK$56,166
+HK$3,221/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,890/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,425
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,911
−HK$1,508/mo
Today · 4.125%
HK$58,419
baseline
▲ 0.50% · 4.625%
HK$61,499
+HK$3,080/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,838/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,055
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,047
−HK$2,025/mo
Today · 4.125%
HK$68,072
baseline
▲ 0.50% · 4.625%
HK$72,214
+HK$4,142/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,144/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,260
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,172
−HK$1,938/mo
Today · 4.125%
HK$75,110
baseline
▲ 0.50% · 4.625%
HK$79,070
+HK$3,960/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,220/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,231 · Scale 2, in force from 26 Feb 2026)