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$35,585
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,692
−HK$1,124/mo
Today · 4.125%
HK$37,816
baseline
▲ 0.50% · 4.625%
HK$40,117
+HK$2,301/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,632/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,588
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,650
−HK$1,077/mo
Today · 4.125%
HK$41,727
baseline
▲ 0.50% · 4.625%
HK$43,926
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,454/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,702
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,030
−HK$1,350/mo
Today · 4.125%
HK$45,380
baseline
▲ 0.50% · 4.625%
HK$48,141
+HK$2,761/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,760/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,505
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,780
−HK$1,292/mo
Today · 4.125%
HK$50,072
baseline
▲ 0.50% · 4.625%
HK$52,711
+HK$2,639/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,144/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,819
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,369
−HK$1,574/mo
Today · 4.125%
HK$52,943
baseline
▲ 0.50% · 4.625%
HK$56,164
+HK$3,221/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,886/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,423
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,909
−HK$1,508/mo
Today · 4.125%
HK$58,417
baseline
▲ 0.50% · 4.625%
HK$61,497
+HK$3,080/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,834/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,053
−HK$4,017/mo
▼ 0.25% · 3.875%
HK$66,045
−HK$2,025/mo
Today · 4.125%
HK$68,070
baseline
▲ 0.50% · 4.625%
HK$72,211
+HK$4,141/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,140/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,258
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,169
−HK$1,939/mo
Today · 4.125%
HK$75,108
baseline
▲ 0.50% · 4.625%
HK$79,067
+HK$3,959/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,216/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,213 · Scale 2, in force from 26 Feb 2026)