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$37,909
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,089
−HK$1,198/mo
Today · 4.125%
HK$40,287
baseline
▲ 0.50% · 4.625%
HK$42,738
+HK$2,451/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,574/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,174
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,305
−HK$1,147/mo
Today · 4.125%
HK$44,452
baseline
▲ 0.50% · 4.625%
HK$46,795
+HK$2,343/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,904/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,491
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,906
−HK$1,438/mo
Today · 4.125%
HK$48,344
baseline
▲ 0.50% · 4.625%
HK$51,285
+HK$2,941/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,688/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,608
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,966
−HK$1,377/mo
Today · 4.125%
HK$53,343
baseline
▲ 0.50% · 4.625%
HK$56,154
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,686/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,073
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,724
−HK$1,677/mo
Today · 4.125%
HK$56,401
baseline
▲ 0.50% · 4.625%
HK$59,833
+HK$3,432/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,802/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,043
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,627
−HK$1,606/mo
Today · 4.125%
HK$62,233
baseline
▲ 0.50% · 4.625%
HK$65,514
+HK$3,281/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,466/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,237
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,359
−HK$2,157/mo
Today · 4.125%
HK$72,516
baseline
▲ 0.50% · 4.625%
HK$76,928
+HK$4,412/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$145,032/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,913
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,949
−HK$2,065/mo
Today · 4.125%
HK$80,014
baseline
▲ 0.50% · 4.625%
HK$84,232
+HK$4,218/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$160,028/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,439 · Scale 2, in force from 26 Feb 2026)