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$35,561
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,667
−HK$1,124/mo
Today · 4.125%
HK$37,791
baseline
▲ 0.50% · 4.625%
HK$40,091
+HK$2,300/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,582/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,561
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,622
−HK$1,077/mo
Today · 4.125%
HK$41,699
baseline
▲ 0.50% · 4.625%
HK$43,897
+HK$2,198/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,398/mo (50% DSR)
Upfront cash ≈ HK$8.38M (deposit + AVD stamp duty HK$584,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,673
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,001
−HK$1,348/mo
Today · 4.125%
HK$45,349
baseline
▲ 0.50% · 4.625%
HK$48,109
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,698/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,474
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,747
−HK$1,292/mo
Today · 4.125%
HK$50,039
baseline
▲ 0.50% · 4.625%
HK$52,676
+HK$2,637/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,078/mo (50% DSR)
Upfront cash ≈ HK$6.82M (deposit + AVD stamp duty HK$584,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,786
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,334
−HK$1,574/mo
Today · 4.125%
HK$52,908
baseline
▲ 0.50% · 4.625%
HK$56,127
+HK$3,219/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,816/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,386
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,871
−HK$1,507/mo
Today · 4.125%
HK$58,378
baseline
▲ 0.50% · 4.625%
HK$61,455
+HK$3,077/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,756/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$584,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,010
−HK$4,014/mo
▼ 0.25% · 3.875%
HK$66,001
−HK$2,023/mo
Today · 4.125%
HK$68,024
baseline
▲ 0.50% · 4.625%
HK$72,163
+HK$4,139/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,048/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,210
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,120
−HK$1,938/mo
Today · 4.125%
HK$75,058
baseline
▲ 0.50% · 4.625%
HK$79,014
+HK$3,956/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,116/mo (50% DSR)
Upfront cash ≈ HK$2.14M (deposit + AVD stamp duty HK$584,822 · Scale 2, in force from 26 Feb 2026)