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$37,960
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,141
−HK$1,199/mo
Today · 4.125%
HK$40,340
baseline
▲ 0.50% · 4.625%
HK$42,795
+HK$2,455/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,680/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,230
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,363
−HK$1,149/mo
Today · 4.125%
HK$44,512
baseline
▲ 0.50% · 4.625%
HK$46,858
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,024/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,552
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,969
−HK$1,439/mo
Today · 4.125%
HK$48,408
baseline
▲ 0.50% · 4.625%
HK$51,354
+HK$2,946/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,816/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,676
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,035
−HK$1,379/mo
Today · 4.125%
HK$53,414
baseline
▲ 0.50% · 4.625%
HK$56,229
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,828/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,144
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,797
−HK$1,679/mo
Today · 4.125%
HK$56,476
baseline
▲ 0.50% · 4.625%
HK$59,913
+HK$3,437/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,952/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,122
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,708
−HK$1,608/mo
Today · 4.125%
HK$62,316
baseline
▲ 0.50% · 4.625%
HK$65,601
+HK$3,285/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,632/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,328
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,453
−HK$2,159/mo
Today · 4.125%
HK$72,612
baseline
▲ 0.50% · 4.625%
HK$77,031
+HK$4,419/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,224/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,014
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,053
−HK$2,068/mo
Today · 4.125%
HK$80,121
baseline
▲ 0.50% · 4.625%
HK$84,344
+HK$4,223/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,242/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,270 · Scale 2, in force from 26 Feb 2026)