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$35,591
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,698
−HK$1,125/mo
Today · 4.125%
HK$37,823
baseline
▲ 0.50% · 4.625%
HK$40,125
+HK$2,302/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,646/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,595
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,657
−HK$1,077/mo
Today · 4.125%
HK$41,734
baseline
▲ 0.50% · 4.625%
HK$43,934
+HK$2,200/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,468/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,709
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,038
−HK$1,350/mo
Today · 4.125%
HK$45,388
baseline
▲ 0.50% · 4.625%
HK$48,149
+HK$2,761/mo
Deposit HK$6.24M · loan HK$9.37M · min. income ≈ HK$90,776/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,514
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,788
−HK$1,293/mo
Today · 4.125%
HK$50,081
baseline
▲ 0.50% · 4.625%
HK$52,721
+HK$2,640/mo
Deposit HK$6.24M · loan HK$9.37M · min. income ≈ HK$100,162/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,828
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,378
−HK$1,574/mo
Today · 4.125%
HK$52,952
baseline
▲ 0.50% · 4.625%
HK$56,174
+HK$3,222/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$105,904/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,433
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,920
−HK$1,508/mo
Today · 4.125%
HK$58,428
baseline
▲ 0.50% · 4.625%
HK$61,508
+HK$3,080/mo
Deposit HK$4.68M · loan HK$10.93M · min. income ≈ HK$116,856/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,064
−HK$4,018/mo
▼ 0.25% · 3.875%
HK$66,057
−HK$2,025/mo
Today · 4.125%
HK$68,082
baseline
▲ 0.50% · 4.625%
HK$72,224
+HK$4,142/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$136,164/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,271
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$73,182
−HK$1,939/mo
Today · 4.125%
HK$75,121
baseline
▲ 0.50% · 4.625%
HK$79,081
+HK$3,960/mo
Deposit HK$1.56M · loan HK$14.05M · min. income ≈ HK$150,242/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,317 · Scale 2, in force from 26 Feb 2026)