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$37,758
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,933
−HK$1,193/mo
Today · 4.125%
HK$40,126
baseline
▲ 0.50% · 4.625%
HK$42,567
+HK$2,441/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,252/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,006
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,132
−HK$1,143/mo
Today · 4.125%
HK$44,275
baseline
▲ 0.50% · 4.625%
HK$46,609
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,550/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,310
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,719
−HK$1,432/mo
Today · 4.125%
HK$48,151
baseline
▲ 0.50% · 4.625%
HK$51,081
+HK$2,930/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$96,302/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,407
−HK$2,723/mo
▼ 0.25% · 3.875%
HK$51,759
−HK$1,371/mo
Today · 4.125%
HK$53,130
baseline
▲ 0.50% · 4.625%
HK$55,930
+HK$2,800/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$106,260/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,861
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,506
−HK$1,670/mo
Today · 4.125%
HK$56,176
baseline
▲ 0.50% · 4.625%
HK$59,594
+HK$3,418/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,352/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,808
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,385
−HK$1,600/mo
Today · 4.125%
HK$61,985
baseline
▲ 0.50% · 4.625%
HK$65,252
+HK$3,267/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,970/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,965
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,079
−HK$2,148/mo
Today · 4.125%
HK$72,227
baseline
▲ 0.50% · 4.625%
HK$76,621
+HK$4,394/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,454/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,610
−HK$4,085/mo
▼ 0.25% · 3.875%
HK$77,638
−HK$2,057/mo
Today · 4.125%
HK$79,695
baseline
▲ 0.50% · 4.625%
HK$83,896
+HK$4,201/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,390/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,952 · Scale 2, in force from 26 Feb 2026)