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$37,866
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,044
−HK$1,197/mo
Today · 4.125%
HK$40,241
baseline
▲ 0.50% · 4.625%
HK$42,690
+HK$2,449/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,482/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,126
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,256
−HK$1,146/mo
Today · 4.125%
HK$44,402
baseline
▲ 0.50% · 4.625%
HK$46,742
+HK$2,340/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,804/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,440
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,853
−HK$1,436/mo
Today · 4.125%
HK$48,289
baseline
▲ 0.50% · 4.625%
HK$51,228
+HK$2,939/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,578/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,551
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,907
−HK$1,375/mo
Today · 4.125%
HK$53,282
baseline
▲ 0.50% · 4.625%
HK$56,091
+HK$2,809/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,564/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,013
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,662
−HK$1,675/mo
Today · 4.125%
HK$56,337
baseline
▲ 0.50% · 4.625%
HK$59,765
+HK$3,428/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,674/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,976
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,558
−HK$1,605/mo
Today · 4.125%
HK$62,163
baseline
▲ 0.50% · 4.625%
HK$65,439
+HK$3,276/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,326/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,160
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,280
−HK$2,154/mo
Today · 4.125%
HK$72,434
baseline
▲ 0.50% · 4.625%
HK$76,841
+HK$4,407/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,868/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,827
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,861
−HK$2,063/mo
Today · 4.125%
HK$79,924
baseline
▲ 0.50% · 4.625%
HK$84,136
+HK$4,212/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,848/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,734 · Scale 2, in force from 26 Feb 2026)