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$37,966
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,147
−HK$1,200/mo
Today · 4.125%
HK$40,347
baseline
▲ 0.50% · 4.625%
HK$42,802
+HK$2,455/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,694/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,237
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,370
−HK$1,149/mo
Today · 4.125%
HK$44,519
baseline
▲ 0.50% · 4.625%
HK$46,865
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,038/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,559
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,976
−HK$1,440/mo
Today · 4.125%
HK$48,416
baseline
▲ 0.50% · 4.625%
HK$51,362
+HK$2,946/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,832/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,684
−HK$2,739/mo
▼ 0.25% · 3.875%
HK$52,044
−HK$1,379/mo
Today · 4.125%
HK$53,423
baseline
▲ 0.50% · 4.625%
HK$56,239
+HK$2,816/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,846/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,152
−HK$3,334/mo
▼ 0.25% · 3.875%
HK$54,806
−HK$1,680/mo
Today · 4.125%
HK$56,486
baseline
▲ 0.50% · 4.625%
HK$59,923
+HK$3,437/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,972/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,132
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,717
−HK$1,609/mo
Today · 4.125%
HK$62,326
baseline
▲ 0.50% · 4.625%
HK$65,612
+HK$3,286/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,652/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,339
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,465
−HK$2,159/mo
Today · 4.125%
HK$72,624
baseline
▲ 0.50% · 4.625%
HK$77,043
+HK$4,419/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,248/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,026
−HK$4,108/mo
▼ 0.25% · 3.875%
HK$78,065
−HK$2,069/mo
Today · 4.125%
HK$80,134
baseline
▲ 0.50% · 4.625%
HK$84,358
+HK$4,224/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,268/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,372 · Scale 2, in force from 26 Feb 2026)