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$37,787
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,962
−HK$1,194/mo
Today · 4.125%
HK$40,156
baseline
▲ 0.50% · 4.625%
HK$42,600
+HK$2,444/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,312/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,037
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,165
−HK$1,144/mo
Today · 4.125%
HK$44,309
baseline
▲ 0.50% · 4.625%
HK$46,644
+HK$2,335/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,618/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,344
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,755
−HK$1,433/mo
Today · 4.125%
HK$48,188
baseline
▲ 0.50% · 4.625%
HK$51,120
+HK$2,932/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,376/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,445
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,798
−HK$1,372/mo
Today · 4.125%
HK$53,170
baseline
▲ 0.50% · 4.625%
HK$55,973
+HK$2,803/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,340/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,902
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,547
−HK$1,672/mo
Today · 4.125%
HK$56,219
baseline
▲ 0.50% · 4.625%
HK$59,640
+HK$3,421/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,438/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,852
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,431
−HK$1,601/mo
Today · 4.125%
HK$62,032
baseline
▲ 0.50% · 4.625%
HK$65,302
+HK$3,270/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,064/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,016
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,132
−HK$2,149/mo
Today · 4.125%
HK$72,281
baseline
▲ 0.50% · 4.625%
HK$76,680
+HK$4,399/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,562/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,667
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,697
−HK$2,058/mo
Today · 4.125%
HK$79,755
baseline
▲ 0.50% · 4.625%
HK$83,959
+HK$4,204/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,510/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,424 · Scale 2, in force from 26 Feb 2026)