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$37,872
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,050
−HK$1,197/mo
Today · 4.125%
HK$40,247
baseline
▲ 0.50% · 4.625%
HK$42,696
+HK$2,449/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,494/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,132
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,262
−HK$1,146/mo
Today · 4.125%
HK$44,408
baseline
▲ 0.50% · 4.625%
HK$46,749
+HK$2,341/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,816/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,446
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,860
−HK$1,436/mo
Today · 4.125%
HK$48,296
baseline
▲ 0.50% · 4.625%
HK$51,235
+HK$2,939/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$96,592/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,559
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,915
−HK$1,375/mo
Today · 4.125%
HK$53,290
baseline
▲ 0.50% · 4.625%
HK$56,099
+HK$2,809/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$106,580/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,021
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,670
−HK$1,676/mo
Today · 4.125%
HK$56,346
baseline
▲ 0.50% · 4.625%
HK$59,774
+HK$3,428/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,692/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,985
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,567
−HK$1,605/mo
Today · 4.125%
HK$62,172
baseline
▲ 0.50% · 4.625%
HK$65,449
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,344/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,169
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,290
−HK$2,154/mo
Today · 4.125%
HK$72,444
baseline
▲ 0.50% · 4.625%
HK$76,852
+HK$4,408/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,888/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,838
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,872
−HK$2,063/mo
Today · 4.125%
HK$79,935
baseline
▲ 0.50% · 4.625%
HK$84,149
+HK$4,214/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,870/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,824 · Scale 2, in force from 26 Feb 2026)