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$37,953
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,134
−HK$1,199/mo
Today · 4.125%
HK$40,333
baseline
▲ 0.50% · 4.625%
HK$42,787
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,666/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,222
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,355
−HK$1,148/mo
Today · 4.125%
HK$44,503
baseline
▲ 0.50% · 4.625%
HK$46,849
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,006/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,544
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,960
−HK$1,440/mo
Today · 4.125%
HK$48,400
baseline
▲ 0.50% · 4.625%
HK$51,345
+HK$2,945/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,800/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,667
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,026
−HK$1,378/mo
Today · 4.125%
HK$53,404
baseline
▲ 0.50% · 4.625%
HK$56,219
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,808/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,134
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,787
−HK$1,679/mo
Today · 4.125%
HK$56,466
baseline
▲ 0.50% · 4.625%
HK$59,902
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,932/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,111
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,697
−HK$1,608/mo
Today · 4.125%
HK$62,305
baseline
▲ 0.50% · 4.625%
HK$65,589
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,610/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,315
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,440
−HK$2,159/mo
Today · 4.125%
HK$72,599
baseline
▲ 0.50% · 4.625%
HK$77,017
+HK$4,418/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,198/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,000
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,039
−HK$2,067/mo
Today · 4.125%
HK$80,106
baseline
▲ 0.50% · 4.625%
HK$84,329
+HK$4,223/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,212/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,158 · Scale 2, in force from 26 Feb 2026)