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$35,568
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,674
−HK$1,125/mo
Today · 4.125%
HK$37,799
baseline
▲ 0.50% · 4.625%
HK$40,098
+HK$2,299/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,598/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,569
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,630
−HK$1,077/mo
Today · 4.125%
HK$41,707
baseline
▲ 0.50% · 4.625%
HK$43,905
+HK$2,198/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,414/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,682
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,009
−HK$1,349/mo
Today · 4.125%
HK$45,358
baseline
▲ 0.50% · 4.625%
HK$48,118
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,716/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,483
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,756
−HK$1,292/mo
Today · 4.125%
HK$50,048
baseline
▲ 0.50% · 4.625%
HK$52,686
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,096/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,795
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,344
−HK$1,574/mo
Today · 4.125%
HK$52,918
baseline
▲ 0.50% · 4.625%
HK$56,138
+HK$3,220/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,836/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,397
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,883
−HK$1,507/mo
Today · 4.125%
HK$58,390
baseline
▲ 0.50% · 4.625%
HK$61,468
+HK$3,078/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,780/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,023
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$66,014
−HK$2,023/mo
Today · 4.125%
HK$68,037
baseline
▲ 0.50% · 4.625%
HK$72,177
+HK$4,140/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,074/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,224
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,135
−HK$1,937/mo
Today · 4.125%
HK$75,072
baseline
▲ 0.50% · 4.625%
HK$79,030
+HK$3,958/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,144/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,936 · Scale 2, in force from 26 Feb 2026)