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$35,566
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,672
−HK$1,124/mo
Today · 4.125%
HK$37,796
baseline
▲ 0.50% · 4.625%
HK$40,096
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,592/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,566
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,628
−HK$1,076/mo
Today · 4.125%
HK$41,704
baseline
▲ 0.50% · 4.625%
HK$43,902
+HK$2,198/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,408/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,679
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,006
−HK$1,349/mo
Today · 4.125%
HK$45,355
baseline
▲ 0.50% · 4.625%
HK$48,115
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,710/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,480
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,753
−HK$1,292/mo
Today · 4.125%
HK$50,045
baseline
▲ 0.50% · 4.625%
HK$52,683
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,090/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,792
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,341
−HK$1,573/mo
Today · 4.125%
HK$52,914
baseline
▲ 0.50% · 4.625%
HK$56,134
+HK$3,220/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,828/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,393
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,879
−HK$1,507/mo
Today · 4.125%
HK$58,386
baseline
▲ 0.50% · 4.625%
HK$61,463
+HK$3,077/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,772/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,018
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,009
−HK$2,024/mo
Today · 4.125%
HK$68,033
baseline
▲ 0.50% · 4.625%
HK$72,172
+HK$4,139/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,066/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,220
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$73,130
−HK$1,937/mo
Today · 4.125%
HK$75,067
baseline
▲ 0.50% · 4.625%
HK$79,024
+HK$3,957/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,134/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,896 · Scale 2, in force from 26 Feb 2026)