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$37,789
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,965
−HK$1,194/mo
Today · 4.125%
HK$40,159
baseline
▲ 0.50% · 4.625%
HK$42,602
+HK$2,443/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,318/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,040
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,168
−HK$1,143/mo
Today · 4.125%
HK$44,311
baseline
▲ 0.50% · 4.625%
HK$46,647
+HK$2,336/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,622/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,347
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,758
−HK$1,433/mo
Today · 4.125%
HK$48,191
baseline
▲ 0.50% · 4.625%
HK$51,123
+HK$2,932/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,382/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,448
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,801
−HK$1,373/mo
Today · 4.125%
HK$53,174
baseline
▲ 0.50% · 4.625%
HK$55,976
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,348/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,905
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,550
−HK$1,672/mo
Today · 4.125%
HK$56,222
baseline
▲ 0.50% · 4.625%
HK$59,643
+HK$3,421/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,444/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,856
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,435
−HK$1,601/mo
Today · 4.125%
HK$62,036
baseline
▲ 0.50% · 4.625%
HK$65,306
+HK$3,270/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,072/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,021
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,136
−HK$2,150/mo
Today · 4.125%
HK$72,286
baseline
▲ 0.50% · 4.625%
HK$76,684
+HK$4,398/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,572/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,672
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,702
−HK$2,058/mo
Today · 4.125%
HK$79,760
baseline
▲ 0.50% · 4.625%
HK$83,965
+HK$4,205/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,520/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,463 · Scale 2, in force from 26 Feb 2026)