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$37,943
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,123
−HK$1,199/mo
Today · 4.125%
HK$40,322
baseline
▲ 0.50% · 4.625%
HK$42,776
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,644/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,211
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,343
−HK$1,149/mo
Today · 4.125%
HK$44,492
baseline
▲ 0.50% · 4.625%
HK$46,837
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,984/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,532
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,948
−HK$1,439/mo
Today · 4.125%
HK$48,387
baseline
▲ 0.50% · 4.625%
HK$51,331
+HK$2,944/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$96,774/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,653
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,012
−HK$1,378/mo
Today · 4.125%
HK$53,390
baseline
▲ 0.50% · 4.625%
HK$56,204
+HK$2,814/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$106,780/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,120
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,772
−HK$1,679/mo
Today · 4.125%
HK$56,451
baseline
▲ 0.50% · 4.625%
HK$59,886
+HK$3,435/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,902/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,096
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,681
−HK$1,607/mo
Today · 4.125%
HK$62,288
baseline
▲ 0.50% · 4.625%
HK$65,572
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,576/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,297
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,422
−HK$2,158/mo
Today · 4.125%
HK$72,580
baseline
▲ 0.50% · 4.625%
HK$76,997
+HK$4,417/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,160/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,980
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,018
−HK$2,067/mo
Today · 4.125%
HK$80,085
baseline
▲ 0.50% · 4.625%
HK$84,306
+HK$4,221/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,170/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,992 · Scale 2, in force from 26 Feb 2026)