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$37,923
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,103
−HK$1,198/mo
Today · 4.125%
HK$40,301
baseline
▲ 0.50% · 4.625%
HK$42,754
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,602/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,189
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,321
−HK$1,148/mo
Today · 4.125%
HK$44,469
baseline
▲ 0.50% · 4.625%
HK$46,813
+HK$2,344/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,938/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,508
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,924
−HK$1,438/mo
Today · 4.125%
HK$48,362
baseline
▲ 0.50% · 4.625%
HK$51,304
+HK$2,942/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,724/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,627
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,985
−HK$1,377/mo
Today · 4.125%
HK$53,362
baseline
▲ 0.50% · 4.625%
HK$56,175
+HK$2,813/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,724/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,093
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,744
−HK$1,678/mo
Today · 4.125%
HK$56,422
baseline
▲ 0.50% · 4.625%
HK$59,855
+HK$3,433/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,844/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,065
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,649
−HK$1,607/mo
Today · 4.125%
HK$62,256
baseline
▲ 0.50% · 4.625%
HK$65,538
+HK$3,282/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,512/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,262
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,385
−HK$2,158/mo
Today · 4.125%
HK$72,543
baseline
▲ 0.50% · 4.625%
HK$76,957
+HK$4,414/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,086/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,941
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,978
−HK$2,066/mo
Today · 4.125%
HK$80,044
baseline
▲ 0.50% · 4.625%
HK$84,263
+HK$4,219/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,088/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,670 · Scale 2, in force from 26 Feb 2026)