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$37,937
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,117
−HK$1,199/mo
Today · 4.125%
HK$40,316
baseline
▲ 0.50% · 4.625%
HK$42,769
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,632/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,205
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,336
−HK$1,149/mo
Today · 4.125%
HK$44,485
baseline
▲ 0.50% · 4.625%
HK$46,830
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,970/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,524
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,940
−HK$1,439/mo
Today · 4.125%
HK$48,379
baseline
▲ 0.50% · 4.625%
HK$51,323
+HK$2,944/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,758/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,645
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,004
−HK$1,378/mo
Today · 4.125%
HK$53,382
baseline
▲ 0.50% · 4.625%
HK$56,195
+HK$2,813/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,764/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,112
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,764
−HK$1,678/mo
Today · 4.125%
HK$56,442
baseline
▲ 0.50% · 4.625%
HK$59,877
+HK$3,435/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,884/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,086
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,671
−HK$1,608/mo
Today · 4.125%
HK$62,279
baseline
▲ 0.50% · 4.625%
HK$65,561
+HK$3,282/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,558/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,287
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,411
−HK$2,158/mo
Today · 4.125%
HK$72,569
baseline
▲ 0.50% · 4.625%
HK$76,984
+HK$4,415/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,138/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,968
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$78,006
−HK$2,066/mo
Today · 4.125%
HK$80,072
baseline
▲ 0.50% · 4.625%
HK$84,293
+HK$4,221/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,144/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,894 · Scale 2, in force from 26 Feb 2026)