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$37,849
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,026
−HK$1,196/mo
Today · 4.125%
HK$40,222
baseline
▲ 0.50% · 4.625%
HK$42,670
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,444/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,107
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,236
−HK$1,145/mo
Today · 4.125%
HK$44,381
baseline
▲ 0.50% · 4.625%
HK$46,721
+HK$2,340/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,762/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,419
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,832
−HK$1,435/mo
Today · 4.125%
HK$48,267
baseline
▲ 0.50% · 4.625%
HK$51,204
+HK$2,937/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,534/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,528
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,883
−HK$1,375/mo
Today · 4.125%
HK$53,258
baseline
▲ 0.50% · 4.625%
HK$56,065
+HK$2,807/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,516/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,989
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,637
−HK$1,674/mo
Today · 4.125%
HK$56,311
baseline
▲ 0.50% · 4.625%
HK$59,738
+HK$3,427/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,622/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,949
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,530
−HK$1,604/mo
Today · 4.125%
HK$62,134
baseline
▲ 0.50% · 4.625%
HK$65,409
+HK$3,275/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,268/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,128
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,247
−HK$2,153/mo
Today · 4.125%
HK$72,400
baseline
▲ 0.50% · 4.625%
HK$76,806
+HK$4,406/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,800/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,792
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,825
−HK$2,062/mo
Today · 4.125%
HK$79,887
baseline
▲ 0.50% · 4.625%
HK$84,098
+HK$4,211/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,774/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,446 · Scale 2, in force from 26 Feb 2026)