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$37,856
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,034
−HK$1,196/mo
Today · 4.125%
HK$40,230
baseline
▲ 0.50% · 4.625%
HK$42,678
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,460/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,115
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,244
−HK$1,146/mo
Today · 4.125%
HK$44,390
baseline
▲ 0.50% · 4.625%
HK$46,730
+HK$2,340/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,780/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,428
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,841
−HK$1,435/mo
Today · 4.125%
HK$48,276
baseline
▲ 0.50% · 4.625%
HK$51,214
+HK$2,938/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,552/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,538
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,893
−HK$1,375/mo
Today · 4.125%
HK$53,268
baseline
▲ 0.50% · 4.625%
HK$56,076
+HK$2,808/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,536/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,999
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,647
−HK$1,675/mo
Today · 4.125%
HK$56,322
baseline
▲ 0.50% · 4.625%
HK$59,749
+HK$3,427/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,644/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,961
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,542
−HK$1,604/mo
Today · 4.125%
HK$62,146
baseline
▲ 0.50% · 4.625%
HK$65,422
+HK$3,276/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,292/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,141
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,261
−HK$2,153/mo
Today · 4.125%
HK$72,414
baseline
▲ 0.50% · 4.625%
HK$76,821
+HK$4,407/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,828/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,807
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,840
−HK$2,062/mo
Today · 4.125%
HK$79,902
baseline
▲ 0.50% · 4.625%
HK$84,114
+HK$4,212/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,804/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,567 · Scale 2, in force from 26 Feb 2026)