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$37,763
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,938
−HK$1,193/mo
Today · 4.125%
HK$40,131
baseline
▲ 0.50% · 4.625%
HK$42,573
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,262/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,011
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,138
−HK$1,143/mo
Today · 4.125%
HK$44,281
baseline
▲ 0.50% · 4.625%
HK$46,615
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,562/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,316
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,725
−HK$1,433/mo
Today · 4.125%
HK$48,158
baseline
▲ 0.50% · 4.625%
HK$51,088
+HK$2,930/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$96,316/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,413
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,765
−HK$1,372/mo
Today · 4.125%
HK$53,137
baseline
▲ 0.50% · 4.625%
HK$55,938
+HK$2,801/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$106,274/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,868
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,513
−HK$1,671/mo
Today · 4.125%
HK$56,184
baseline
▲ 0.50% · 4.625%
HK$59,602
+HK$3,418/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,368/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,816
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,393
−HK$1,600/mo
Today · 4.125%
HK$61,993
baseline
▲ 0.50% · 4.625%
HK$65,261
+HK$3,268/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,986/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,974
−HK$4,262/mo
▼ 0.25% · 3.875%
HK$70,088
−HK$2,148/mo
Today · 4.125%
HK$72,236
baseline
▲ 0.50% · 4.625%
HK$76,632
+HK$4,396/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,472/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,620
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,648
−HK$2,058/mo
Today · 4.125%
HK$79,706
baseline
▲ 0.50% · 4.625%
HK$83,907
+HK$4,201/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,412/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,036 · Scale 2, in force from 26 Feb 2026)