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$37,954
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,134
−HK$1,200/mo
Today · 4.125%
HK$40,334
baseline
▲ 0.50% · 4.625%
HK$42,788
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,668/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,223
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,356
−HK$1,148/mo
Today · 4.125%
HK$44,504
baseline
▲ 0.50% · 4.625%
HK$46,850
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,008/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,545
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,961
−HK$1,440/mo
Today · 4.125%
HK$48,401
baseline
▲ 0.50% · 4.625%
HK$51,346
+HK$2,945/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,802/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,668
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,027
−HK$1,378/mo
Today · 4.125%
HK$53,405
baseline
▲ 0.50% · 4.625%
HK$56,220
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,810/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,135
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,788
−HK$1,679/mo
Today · 4.125%
HK$56,467
baseline
▲ 0.50% · 4.625%
HK$59,903
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,934/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,113
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,698
−HK$1,608/mo
Today · 4.125%
HK$62,306
baseline
▲ 0.50% · 4.625%
HK$65,590
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,612/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,317
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,442
−HK$2,159/mo
Today · 4.125%
HK$72,601
baseline
▲ 0.50% · 4.625%
HK$77,019
+HK$4,418/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,202/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,002
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,040
−HK$2,068/mo
Today · 4.125%
HK$80,108
baseline
▲ 0.50% · 4.625%
HK$84,331
+HK$4,223/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,216/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,171 · Scale 2, in force from 26 Feb 2026)