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$37,784
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,960
−HK$1,194/mo
Today · 4.125%
HK$40,154
baseline
▲ 0.50% · 4.625%
HK$42,597
+HK$2,443/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,308/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,035
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,162
−HK$1,144/mo
Today · 4.125%
HK$44,306
baseline
▲ 0.50% · 4.625%
HK$46,641
+HK$2,335/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,612/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,341
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,752
−HK$1,432/mo
Today · 4.125%
HK$48,184
baseline
▲ 0.50% · 4.625%
HK$51,116
+HK$2,932/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,368/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,442
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,794
−HK$1,373/mo
Today · 4.125%
HK$53,167
baseline
▲ 0.50% · 4.625%
HK$55,969
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,334/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,898
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,543
−HK$1,672/mo
Today · 4.125%
HK$56,215
baseline
▲ 0.50% · 4.625%
HK$59,636
+HK$3,421/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,430/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,848
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,427
−HK$1,601/mo
Today · 4.125%
HK$62,028
baseline
▲ 0.50% · 4.625%
HK$65,297
+HK$3,269/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,056/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,012
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,127
−HK$2,150/mo
Today · 4.125%
HK$72,277
baseline
▲ 0.50% · 4.625%
HK$76,675
+HK$4,398/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,554/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,662
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,692
−HK$2,058/mo
Today · 4.125%
HK$79,750
baseline
▲ 0.50% · 4.625%
HK$83,954
+HK$4,204/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,500/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,383 · Scale 2, in force from 26 Feb 2026)