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$37,870
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,048
−HK$1,197/mo
Today · 4.125%
HK$40,245
baseline
▲ 0.50% · 4.625%
HK$42,694
+HK$2,449/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,490/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,130
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,260
−HK$1,146/mo
Today · 4.125%
HK$44,406
baseline
▲ 0.50% · 4.625%
HK$46,747
+HK$2,341/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,812/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,444
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,858
−HK$1,436/mo
Today · 4.125%
HK$48,294
baseline
▲ 0.50% · 4.625%
HK$51,233
+HK$2,939/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,588/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,556
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,912
−HK$1,376/mo
Today · 4.125%
HK$53,288
baseline
▲ 0.50% · 4.625%
HK$56,097
+HK$2,809/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,576/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,018
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,668
−HK$1,675/mo
Today · 4.125%
HK$56,343
baseline
▲ 0.50% · 4.625%
HK$59,771
+HK$3,428/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,686/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,982
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,564
−HK$1,605/mo
Today · 4.125%
HK$62,169
baseline
▲ 0.50% · 4.625%
HK$65,446
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,338/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,166
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,287
−HK$2,154/mo
Today · 4.125%
HK$72,441
baseline
▲ 0.50% · 4.625%
HK$76,849
+HK$4,408/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,882/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,834
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,868
−HK$2,064/mo
Today · 4.125%
HK$79,932
baseline
▲ 0.50% · 4.625%
HK$84,145
+HK$4,213/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,864/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,796 · Scale 2, in force from 26 Feb 2026)