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$37,785
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,961
−HK$1,194/mo
Today · 4.125%
HK$40,155
baseline
▲ 0.50% · 4.625%
HK$42,598
+HK$2,443/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,310/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,036
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,163
−HK$1,144/mo
Today · 4.125%
HK$44,307
baseline
▲ 0.50% · 4.625%
HK$46,642
+HK$2,335/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,614/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,342
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,753
−HK$1,433/mo
Today · 4.125%
HK$48,186
baseline
▲ 0.50% · 4.625%
HK$51,118
+HK$2,932/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,372/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,443
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,796
−HK$1,372/mo
Today · 4.125%
HK$53,168
baseline
▲ 0.50% · 4.625%
HK$55,971
+HK$2,803/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,336/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,899
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,545
−HK$1,672/mo
Today · 4.125%
HK$56,217
baseline
▲ 0.50% · 4.625%
HK$59,637
+HK$3,420/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,434/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,850
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,428
−HK$1,601/mo
Today · 4.125%
HK$62,029
baseline
▲ 0.50% · 4.625%
HK$65,299
+HK$3,270/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,058/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,013
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,129
−HK$2,150/mo
Today · 4.125%
HK$72,279
baseline
▲ 0.50% · 4.625%
HK$76,676
+HK$4,397/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,558/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,664
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,694
−HK$2,058/mo
Today · 4.125%
HK$79,752
baseline
▲ 0.50% · 4.625%
HK$83,956
+HK$4,204/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,504/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,399 · Scale 2, in force from 26 Feb 2026)