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$37,964
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,145
−HK$1,200/mo
Today · 4.125%
HK$40,345
baseline
▲ 0.50% · 4.625%
HK$42,800
+HK$2,455/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,690/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,235
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,368
−HK$1,149/mo
Today · 4.125%
HK$44,517
baseline
▲ 0.50% · 4.625%
HK$46,863
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,034/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,557
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,974
−HK$1,440/mo
Today · 4.125%
HK$48,414
baseline
▲ 0.50% · 4.625%
HK$51,360
+HK$2,946/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,828/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,682
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,041
−HK$1,379/mo
Today · 4.125%
HK$53,420
baseline
▲ 0.50% · 4.625%
HK$56,236
+HK$2,816/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,840/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,150
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,803
−HK$1,680/mo
Today · 4.125%
HK$56,483
baseline
▲ 0.50% · 4.625%
HK$59,920
+HK$3,437/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,966/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,129
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,715
−HK$1,608/mo
Today · 4.125%
HK$62,323
baseline
▲ 0.50% · 4.625%
HK$65,609
+HK$3,286/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,646/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,336
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,461
−HK$2,160/mo
Today · 4.125%
HK$72,621
baseline
▲ 0.50% · 4.625%
HK$77,040
+HK$4,419/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,242/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,023
−HK$4,107/mo
▼ 0.25% · 3.875%
HK$78,062
−HK$2,068/mo
Today · 4.125%
HK$80,130
baseline
▲ 0.50% · 4.625%
HK$84,354
+HK$4,224/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,260/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,343 · Scale 2, in force from 26 Feb 2026)