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$35,573
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,679
−HK$1,124/mo
Today · 4.125%
HK$37,803
baseline
▲ 0.50% · 4.625%
HK$40,104
+HK$2,301/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$75,606/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,574
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,636
−HK$1,076/mo
Today · 4.125%
HK$41,712
baseline
▲ 0.50% · 4.625%
HK$43,911
+HK$2,199/mo
Deposit HK$7.80M · loan HK$7.80M · min. income ≈ HK$83,424/mo (50% DSR)
Upfront cash ≈ HK$8.39M (deposit + AVD stamp duty HK$585,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,687
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,015
−HK$1,349/mo
Today · 4.125%
HK$45,364
baseline
▲ 0.50% · 4.625%
HK$48,124
+HK$2,760/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$90,728/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,489
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,763
−HK$1,292/mo
Today · 4.125%
HK$50,055
baseline
▲ 0.50% · 4.625%
HK$52,693
+HK$2,638/mo
Deposit HK$6.24M · loan HK$9.36M · min. income ≈ HK$100,110/mo (50% DSR)
Upfront cash ≈ HK$6.83M (deposit + AVD stamp duty HK$585,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,802
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,351
−HK$1,574/mo
Today · 4.125%
HK$52,925
baseline
▲ 0.50% · 4.625%
HK$56,145
+HK$3,220/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$105,850/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,404
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,890
−HK$1,507/mo
Today · 4.125%
HK$58,397
baseline
▲ 0.50% · 4.625%
HK$61,475
+HK$3,078/mo
Deposit HK$4.68M · loan HK$10.92M · min. income ≈ HK$116,794/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$585,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,031
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$66,022
−HK$2,024/mo
Today · 4.125%
HK$68,046
baseline
▲ 0.50% · 4.625%
HK$72,186
+HK$4,140/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$136,092/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$71,234
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$73,144
−HK$1,938/mo
Today · 4.125%
HK$75,082
baseline
▲ 0.50% · 4.625%
HK$79,040
+HK$3,958/mo
Deposit HK$1.56M · loan HK$14.04M · min. income ≈ HK$150,164/mo (50% DSR)
Upfront cash ≈ HK$2.15M (deposit + AVD stamp duty HK$585,011 · Scale 2, in force from 26 Feb 2026)