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$37,776
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,951
−HK$1,194/mo
Today · 4.125%
HK$40,145
baseline
▲ 0.50% · 4.625%
HK$42,588
+HK$2,443/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,290/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,025
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,153
−HK$1,143/mo
Today · 4.125%
HK$44,296
baseline
▲ 0.50% · 4.625%
HK$46,631
+HK$2,335/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,592/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,331
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,741
−HK$1,433/mo
Today · 4.125%
HK$48,174
baseline
▲ 0.50% · 4.625%
HK$51,105
+HK$2,931/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,348/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,431
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,783
−HK$1,372/mo
Today · 4.125%
HK$53,155
baseline
▲ 0.50% · 4.625%
HK$55,957
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,310/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,886
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,531
−HK$1,672/mo
Today · 4.125%
HK$56,203
baseline
▲ 0.50% · 4.625%
HK$59,623
+HK$3,420/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,406/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,836
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,414
−HK$1,600/mo
Today · 4.125%
HK$62,014
baseline
▲ 0.50% · 4.625%
HK$65,283
+HK$3,269/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,028/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,997
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,112
−HK$2,149/mo
Today · 4.125%
HK$72,261
baseline
▲ 0.50% · 4.625%
HK$76,658
+HK$4,397/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,522/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,646
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,675
−HK$2,058/mo
Today · 4.125%
HK$79,733
baseline
▲ 0.50% · 4.625%
HK$83,935
+HK$4,202/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,466/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,246 · Scale 2, in force from 26 Feb 2026)