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$37,933
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,113
−HK$1,199/mo
Today · 4.125%
HK$40,312
baseline
▲ 0.50% · 4.625%
HK$42,765
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,624/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,200
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,332
−HK$1,148/mo
Today · 4.125%
HK$44,480
baseline
▲ 0.50% · 4.625%
HK$46,825
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,960/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,520
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,936
−HK$1,438/mo
Today · 4.125%
HK$48,374
baseline
▲ 0.50% · 4.625%
HK$51,318
+HK$2,944/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,748/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,640
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,998
−HK$1,378/mo
Today · 4.125%
HK$53,376
baseline
▲ 0.50% · 4.625%
HK$56,190
+HK$2,814/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,752/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,106
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,758
−HK$1,679/mo
Today · 4.125%
HK$56,437
baseline
▲ 0.50% · 4.625%
HK$59,871
+HK$3,434/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,874/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,080
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,665
−HK$1,607/mo
Today · 4.125%
HK$62,272
baseline
▲ 0.50% · 4.625%
HK$65,555
+HK$3,283/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,544/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,280
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,404
−HK$2,157/mo
Today · 4.125%
HK$72,561
baseline
▲ 0.50% · 4.625%
HK$76,977
+HK$4,416/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,122/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,960
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,998
−HK$2,066/mo
Today · 4.125%
HK$80,064
baseline
▲ 0.50% · 4.625%
HK$84,285
+HK$4,221/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,128/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,831 · Scale 2, in force from 26 Feb 2026)