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$37,774
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,949
−HK$1,194/mo
Today · 4.125%
HK$40,143
baseline
▲ 0.50% · 4.625%
HK$42,585
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,286/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,023
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,150
−HK$1,144/mo
Today · 4.125%
HK$44,294
baseline
▲ 0.50% · 4.625%
HK$46,628
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,588/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,329
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,739
−HK$1,432/mo
Today · 4.125%
HK$48,171
baseline
▲ 0.50% · 4.625%
HK$51,102
+HK$2,931/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,342/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,428
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,780
−HK$1,372/mo
Today · 4.125%
HK$53,152
baseline
▲ 0.50% · 4.625%
HK$55,954
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,304/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,884
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,529
−HK$1,671/mo
Today · 4.125%
HK$56,200
baseline
▲ 0.50% · 4.625%
HK$59,620
+HK$3,420/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,400/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,833
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,410
−HK$1,601/mo
Today · 4.125%
HK$62,011
baseline
▲ 0.50% · 4.625%
HK$65,280
+HK$3,269/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,022/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,993
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,108
−HK$2,149/mo
Today · 4.125%
HK$72,257
baseline
▲ 0.50% · 4.625%
HK$76,654
+HK$4,397/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,514/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,642
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,671
−HK$2,058/mo
Today · 4.125%
HK$79,729
baseline
▲ 0.50% · 4.625%
HK$83,931
+HK$4,202/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,458/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,214 · Scale 2, in force from 26 Feb 2026)