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$37,915
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,094
−HK$1,198/mo
Today · 4.125%
HK$40,292
baseline
▲ 0.50% · 4.625%
HK$42,744
+HK$2,452/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,584/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,180
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,311
−HK$1,147/mo
Today · 4.125%
HK$44,458
baseline
▲ 0.50% · 4.625%
HK$46,802
+HK$2,344/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,916/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,497
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,913
−HK$1,438/mo
Today · 4.125%
HK$48,351
baseline
▲ 0.50% · 4.625%
HK$51,293
+HK$2,942/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,702/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,616
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,973
−HK$1,377/mo
Today · 4.125%
HK$53,350
baseline
▲ 0.50% · 4.625%
HK$56,162
+HK$2,812/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,700/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,080
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,732
−HK$1,677/mo
Today · 4.125%
HK$56,409
baseline
▲ 0.50% · 4.625%
HK$59,841
+HK$3,432/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,818/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,051
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,635
−HK$1,607/mo
Today · 4.125%
HK$62,242
baseline
▲ 0.50% · 4.625%
HK$65,523
+HK$3,281/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,484/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,246
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,369
−HK$2,157/mo
Today · 4.125%
HK$72,526
baseline
▲ 0.50% · 4.625%
HK$76,939
+HK$4,413/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$145,052/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,923
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,959
−HK$2,066/mo
Today · 4.125%
HK$80,025
baseline
▲ 0.50% · 4.625%
HK$84,243
+HK$4,218/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$160,050/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,525 · Scale 2, in force from 26 Feb 2026)