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$37,768
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,943
−HK$1,194/mo
Today · 4.125%
HK$40,137
baseline
▲ 0.50% · 4.625%
HK$42,579
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,274/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,017
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,144
−HK$1,143/mo
Today · 4.125%
HK$44,287
baseline
▲ 0.50% · 4.625%
HK$46,621
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,574/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,322
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,732
−HK$1,432/mo
Today · 4.125%
HK$48,164
baseline
▲ 0.50% · 4.625%
HK$51,095
+HK$2,931/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,328/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,420
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,773
−HK$1,371/mo
Today · 4.125%
HK$53,144
baseline
▲ 0.50% · 4.625%
HK$55,946
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,288/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,876
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,520
−HK$1,671/mo
Today · 4.125%
HK$56,191
baseline
▲ 0.50% · 4.625%
HK$59,611
+HK$3,420/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,382/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,824
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,401
−HK$1,601/mo
Today · 4.125%
HK$62,002
baseline
▲ 0.50% · 4.625%
HK$65,270
+HK$3,268/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$124,004/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,983
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,098
−HK$2,148/mo
Today · 4.125%
HK$72,246
baseline
▲ 0.50% · 4.625%
HK$76,642
+HK$4,396/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,492/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,630
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,659
−HK$2,058/mo
Today · 4.125%
HK$79,717
baseline
▲ 0.50% · 4.625%
HK$83,919
+HK$4,202/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,434/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,121 · Scale 2, in force from 26 Feb 2026)