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$37,839
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,016
−HK$1,196/mo
Today · 4.125%
HK$40,212
baseline
▲ 0.50% · 4.625%
HK$42,659
+HK$2,447/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,424/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,096
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,225
−HK$1,145/mo
Today · 4.125%
HK$44,370
baseline
▲ 0.50% · 4.625%
HK$46,709
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,740/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,407
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,819
−HK$1,435/mo
Today · 4.125%
HK$48,254
baseline
▲ 0.50% · 4.625%
HK$51,190
+HK$2,936/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,508/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,515
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,869
−HK$1,375/mo
Today · 4.125%
HK$53,244
baseline
▲ 0.50% · 4.625%
HK$56,050
+HK$2,806/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,488/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,975
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,622
−HK$1,675/mo
Today · 4.125%
HK$56,297
baseline
▲ 0.50% · 4.625%
HK$59,722
+HK$3,425/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,594/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,934
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,514
−HK$1,604/mo
Today · 4.125%
HK$62,118
baseline
▲ 0.50% · 4.625%
HK$65,392
+HK$3,274/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,236/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,110
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,229
−HK$2,152/mo
Today · 4.125%
HK$72,381
baseline
▲ 0.50% · 4.625%
HK$76,786
+HK$4,405/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,762/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,772
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,804
−HK$2,062/mo
Today · 4.125%
HK$79,866
baseline
▲ 0.50% · 4.625%
HK$84,076
+HK$4,210/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,732/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,283 · Scale 2, in force from 26 Feb 2026)