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$37,929
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,109
−HK$1,199/mo
Today · 4.125%
HK$40,308
baseline
▲ 0.50% · 4.625%
HK$42,760
+HK$2,452/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,616/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,196
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,327
−HK$1,148/mo
Today · 4.125%
HK$44,475
baseline
▲ 0.50% · 4.625%
HK$46,820
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,950/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,515
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,931
−HK$1,438/mo
Today · 4.125%
HK$48,369
baseline
▲ 0.50% · 4.625%
HK$51,312
+HK$2,943/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,738/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,635
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,993
−HK$1,377/mo
Today · 4.125%
HK$53,370
baseline
▲ 0.50% · 4.625%
HK$56,184
+HK$2,814/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,740/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,101
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,752
−HK$1,679/mo
Today · 4.125%
HK$56,431
baseline
▲ 0.50% · 4.625%
HK$59,864
+HK$3,433/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,862/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,074
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,658
−HK$1,608/mo
Today · 4.125%
HK$62,266
baseline
▲ 0.50% · 4.625%
HK$65,548
+HK$3,282/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,532/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,272
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,396
−HK$2,158/mo
Today · 4.125%
HK$72,554
baseline
▲ 0.50% · 4.625%
HK$76,968
+HK$4,414/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,108/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,952
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,989
−HK$2,067/mo
Today · 4.125%
HK$80,056
baseline
▲ 0.50% · 4.625%
HK$84,276
+HK$4,220/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,112/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,764 · Scale 2, in force from 26 Feb 2026)