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$37,928
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,108
−HK$1,199/mo
Today · 4.125%
HK$40,307
baseline
▲ 0.50% · 4.625%
HK$42,759
+HK$2,452/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,614/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,195
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,326
−HK$1,148/mo
Today · 4.125%
HK$44,474
baseline
▲ 0.50% · 4.625%
HK$46,819
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,948/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,514
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,929
−HK$1,439/mo
Today · 4.125%
HK$48,368
baseline
▲ 0.50% · 4.625%
HK$51,311
+HK$2,943/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,736/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,634
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,992
−HK$1,377/mo
Today · 4.125%
HK$53,369
baseline
▲ 0.50% · 4.625%
HK$56,182
+HK$2,813/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,738/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,099
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,751
−HK$1,678/mo
Today · 4.125%
HK$56,429
baseline
▲ 0.50% · 4.625%
HK$59,863
+HK$3,434/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,858/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,072
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,657
−HK$1,607/mo
Today · 4.125%
HK$62,264
baseline
▲ 0.50% · 4.625%
HK$65,546
+HK$3,282/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,528/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,271
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,394
−HK$2,158/mo
Today · 4.125%
HK$72,552
baseline
▲ 0.50% · 4.625%
HK$76,966
+HK$4,414/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,104/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,950
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,987
−HK$2,067/mo
Today · 4.125%
HK$80,054
baseline
▲ 0.50% · 4.625%
HK$84,273
+HK$4,219/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,108/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,748 · Scale 2, in force from 26 Feb 2026)