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$37,788
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,963
−HK$1,194/mo
Today · 4.125%
HK$40,157
baseline
▲ 0.50% · 4.625%
HK$42,601
+HK$2,444/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,314/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,039
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,166
−HK$1,144/mo
Today · 4.125%
HK$44,310
baseline
▲ 0.50% · 4.625%
HK$46,645
+HK$2,335/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,620/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,345
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,756
−HK$1,433/mo
Today · 4.125%
HK$48,189
baseline
▲ 0.50% · 4.625%
HK$51,121
+HK$2,932/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,378/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,446
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,799
−HK$1,373/mo
Today · 4.125%
HK$53,172
baseline
▲ 0.50% · 4.625%
HK$55,974
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,344/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,903
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,549
−HK$1,671/mo
Today · 4.125%
HK$56,220
baseline
▲ 0.50% · 4.625%
HK$59,641
+HK$3,421/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,440/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,854
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,432
−HK$1,602/mo
Today · 4.125%
HK$62,034
baseline
▲ 0.50% · 4.625%
HK$65,304
+HK$3,270/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,068/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,018
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,134
−HK$2,149/mo
Today · 4.125%
HK$72,283
baseline
▲ 0.50% · 4.625%
HK$76,682
+HK$4,399/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,566/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,669
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,699
−HK$2,059/mo
Today · 4.125%
HK$79,758
baseline
▲ 0.50% · 4.625%
HK$83,962
+HK$4,204/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,516/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,440 · Scale 2, in force from 26 Feb 2026)