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$37,945
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,125
−HK$1,199/mo
Today · 4.125%
HK$40,324
baseline
▲ 0.50% · 4.625%
HK$42,778
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,648/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$624,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,213
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,345
−HK$1,149/mo
Today · 4.125%
HK$44,494
baseline
▲ 0.50% · 4.625%
HK$46,839
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,988/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$624,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,534
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,950
−HK$1,439/mo
Today · 4.125%
HK$48,389
baseline
▲ 0.50% · 4.625%
HK$51,333
+HK$2,944/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$96,778/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,656
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,014
−HK$1,379/mo
Today · 4.125%
HK$53,393
baseline
▲ 0.50% · 4.625%
HK$56,207
+HK$2,814/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$106,786/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,123
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,775
−HK$1,679/mo
Today · 4.125%
HK$56,454
baseline
▲ 0.50% · 4.625%
HK$59,889
+HK$3,435/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,908/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,098
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,683
−HK$1,608/mo
Today · 4.125%
HK$62,291
baseline
▲ 0.50% · 4.625%
HK$65,575
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,582/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,301
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,425
−HK$2,159/mo
Today · 4.125%
HK$72,584
baseline
▲ 0.50% · 4.625%
HK$77,000
+HK$4,416/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,168/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,984
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,022
−HK$2,067/mo
Today · 4.125%
HK$80,089
baseline
▲ 0.50% · 4.625%
HK$84,311
+HK$4,222/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,178/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,022 · Scale 2, in force from 26 Feb 2026)