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$37,884
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,063
−HK$1,197/mo
Today · 4.125%
HK$40,260
baseline
▲ 0.50% · 4.625%
HK$42,710
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,520/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,146
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,276
−HK$1,147/mo
Today · 4.125%
HK$44,423
baseline
▲ 0.50% · 4.625%
HK$46,765
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,846/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,461
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,875
−HK$1,437/mo
Today · 4.125%
HK$48,312
baseline
▲ 0.50% · 4.625%
HK$51,252
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,624/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,575
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,932
−HK$1,376/mo
Today · 4.125%
HK$53,308
baseline
▲ 0.50% · 4.625%
HK$56,117
+HK$2,809/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,616/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,038
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,688
−HK$1,676/mo
Today · 4.125%
HK$56,364
baseline
▲ 0.50% · 4.625%
HK$59,794
+HK$3,430/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,728/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,004
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,587
−HK$1,605/mo
Today · 4.125%
HK$62,192
baseline
▲ 0.50% · 4.625%
HK$65,470
+HK$3,278/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,384/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,192
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,313
−HK$2,155/mo
Today · 4.125%
HK$72,468
baseline
▲ 0.50% · 4.625%
HK$76,878
+HK$4,410/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,936/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,863
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,897
−HK$2,064/mo
Today · 4.125%
HK$79,961
baseline
▲ 0.50% · 4.625%
HK$84,176
+HK$4,215/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,922/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,028 · Scale 2, in force from 26 Feb 2026)