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$37,898
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,077
−HK$1,197/mo
Today · 4.125%
HK$40,274
baseline
▲ 0.50% · 4.625%
HK$42,725
+HK$2,451/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,548/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,161
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,292
−HK$1,147/mo
Today · 4.125%
HK$44,439
baseline
▲ 0.50% · 4.625%
HK$46,781
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,878/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,477
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,892
−HK$1,437/mo
Today · 4.125%
HK$48,329
baseline
▲ 0.50% · 4.625%
HK$51,270
+HK$2,941/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,658/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,593
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,950
−HK$1,376/mo
Today · 4.125%
HK$53,326
baseline
▲ 0.50% · 4.625%
HK$56,137
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,652/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,057
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,707
−HK$1,677/mo
Today · 4.125%
HK$56,384
baseline
▲ 0.50% · 4.625%
HK$59,815
+HK$3,431/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$112,768/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,025
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,608
−HK$1,606/mo
Today · 4.125%
HK$62,214
baseline
▲ 0.50% · 4.625%
HK$65,494
+HK$3,280/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$124,428/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,216
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,338
−HK$2,156/mo
Today · 4.125%
HK$72,494
baseline
▲ 0.50% · 4.625%
HK$76,905
+HK$4,411/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$144,988/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,248 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,890
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,925
−HK$2,065/mo
Today · 4.125%
HK$79,990
baseline
▲ 0.50% · 4.625%
HK$84,206
+HK$4,216/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$159,980/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,248 · Scale 2, in force from 26 Feb 2026)