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$37,806
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,982
−HK$1,195/mo
Today · 4.125%
HK$40,177
baseline
▲ 0.50% · 4.625%
HK$42,622
+HK$2,445/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,354/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,059
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,187
−HK$1,145/mo
Today · 4.125%
HK$44,332
baseline
▲ 0.50% · 4.625%
HK$46,668
+HK$2,336/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,664/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,368
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,779
−HK$1,434/mo
Today · 4.125%
HK$48,213
baseline
▲ 0.50% · 4.625%
HK$51,146
+HK$2,933/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,426/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,471
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,825
−HK$1,373/mo
Today · 4.125%
HK$53,198
baseline
▲ 0.50% · 4.625%
HK$56,002
+HK$2,804/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,396/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,929
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,575
−HK$1,673/mo
Today · 4.125%
HK$56,248
baseline
▲ 0.50% · 4.625%
HK$59,671
+HK$3,423/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$112,496/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,883
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,462
−HK$1,602/mo
Today · 4.125%
HK$62,064
baseline
▲ 0.50% · 4.625%
HK$65,336
+HK$3,272/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$124,128/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,051
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,168
−HK$2,151/mo
Today · 4.125%
HK$72,319
baseline
▲ 0.50% · 4.625%
HK$76,719
+HK$4,400/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,638/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,707
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,737
−HK$2,060/mo
Today · 4.125%
HK$79,797
baseline
▲ 0.50% · 4.625%
HK$84,003
+HK$4,206/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,594/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,745 · Scale 2, in force from 26 Feb 2026)