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$37,891
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,070
−HK$1,197/mo
Today · 4.125%
HK$40,267
baseline
▲ 0.50% · 4.625%
HK$42,717
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,534/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,153
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,284
−HK$1,147/mo
Today · 4.125%
HK$44,431
baseline
▲ 0.50% · 4.625%
HK$46,773
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,862/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,469
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,884
−HK$1,437/mo
Today · 4.125%
HK$48,321
baseline
▲ 0.50% · 4.625%
HK$51,261
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,642/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,584
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,941
−HK$1,376/mo
Today · 4.125%
HK$53,317
baseline
▲ 0.50% · 4.625%
HK$56,127
+HK$2,810/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,634/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,048
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,698
−HK$1,676/mo
Today · 4.125%
HK$56,374
baseline
▲ 0.50% · 4.625%
HK$59,804
+HK$3,430/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$112,748/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,015
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,598
−HK$1,605/mo
Today · 4.125%
HK$62,203
baseline
▲ 0.50% · 4.625%
HK$65,482
+HK$3,279/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$124,406/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,204
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,325
−HK$2,156/mo
Today · 4.125%
HK$72,481
baseline
▲ 0.50% · 4.625%
HK$76,891
+HK$4,410/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$144,962/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,876
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,911
−HK$2,065/mo
Today · 4.125%
HK$79,976
baseline
▲ 0.50% · 4.625%
HK$84,191
+HK$4,215/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$159,952/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,139 · Scale 2, in force from 26 Feb 2026)