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$37,823
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,000
−HK$1,195/mo
Today · 4.125%
HK$40,195
baseline
▲ 0.50% · 4.625%
HK$42,641
+HK$2,446/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,390/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,078
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,207
−HK$1,144/mo
Today · 4.125%
HK$44,351
baseline
▲ 0.50% · 4.625%
HK$46,689
+HK$2,338/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,702/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,388
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,800
−HK$1,434/mo
Today · 4.125%
HK$48,234
baseline
▲ 0.50% · 4.625%
HK$51,169
+HK$2,935/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,468/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,494
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,848
−HK$1,374/mo
Today · 4.125%
HK$53,222
baseline
▲ 0.50% · 4.625%
HK$56,027
+HK$2,805/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,444/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,953
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,600
−HK$1,673/mo
Today · 4.125%
HK$56,273
baseline
▲ 0.50% · 4.625%
HK$59,697
+HK$3,424/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,546/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,909
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,489
−HK$1,603/mo
Today · 4.125%
HK$62,092
baseline
▲ 0.50% · 4.625%
HK$65,365
+HK$3,273/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,184/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,082
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,200
−HK$2,151/mo
Today · 4.125%
HK$72,351
baseline
▲ 0.50% · 4.625%
HK$76,754
+HK$4,403/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,702/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,741
−HK$4,092/mo
▼ 0.25% · 3.875%
HK$77,772
−HK$2,061/mo
Today · 4.125%
HK$79,833
baseline
▲ 0.50% · 4.625%
HK$84,041
+HK$4,208/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,666/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,026 · Scale 2, in force from 26 Feb 2026)