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$37,937
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,117
−HK$1,199/mo
Today · 4.125%
HK$40,316
baseline
▲ 0.50% · 4.625%
HK$42,769
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,632/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,205
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,337
−HK$1,148/mo
Today · 4.125%
HK$44,485
baseline
▲ 0.50% · 4.625%
HK$46,830
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,970/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,525
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,941
−HK$1,438/mo
Today · 4.125%
HK$48,379
baseline
▲ 0.50% · 4.625%
HK$51,323
+HK$2,944/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,758/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,646
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,004
−HK$1,378/mo
Today · 4.125%
HK$53,382
baseline
▲ 0.50% · 4.625%
HK$56,196
+HK$2,814/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,764/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,112
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,764
−HK$1,679/mo
Today · 4.125%
HK$56,443
baseline
▲ 0.50% · 4.625%
HK$59,877
+HK$3,434/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,886/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,087
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,671
−HK$1,608/mo
Today · 4.125%
HK$62,279
baseline
▲ 0.50% · 4.625%
HK$65,562
+HK$3,283/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,558/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,287
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,411
−HK$2,158/mo
Today · 4.125%
HK$72,569
baseline
▲ 0.50% · 4.625%
HK$76,985
+HK$4,416/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,138/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,969
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,006
−HK$2,067/mo
Today · 4.125%
HK$80,073
baseline
▲ 0.50% · 4.625%
HK$84,294
+HK$4,221/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,146/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,898 · Scale 2, in force from 26 Feb 2026)