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$37,922
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,102
−HK$1,198/mo
Today · 4.125%
HK$40,300
baseline
▲ 0.50% · 4.625%
HK$42,753
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,600/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,188
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,320
−HK$1,147/mo
Today · 4.125%
HK$44,467
baseline
▲ 0.50% · 4.625%
HK$46,811
+HK$2,344/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,934/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,507
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,922
−HK$1,438/mo
Today · 4.125%
HK$48,360
baseline
▲ 0.50% · 4.625%
HK$51,303
+HK$2,943/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,720/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,626
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,984
−HK$1,377/mo
Today · 4.125%
HK$53,361
baseline
▲ 0.50% · 4.625%
HK$56,174
+HK$2,813/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,722/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,091
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,743
−HK$1,678/mo
Today · 4.125%
HK$56,421
baseline
▲ 0.50% · 4.625%
HK$59,854
+HK$3,433/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,842/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,063
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,648
−HK$1,606/mo
Today · 4.125%
HK$62,254
baseline
▲ 0.50% · 4.625%
HK$65,536
+HK$3,282/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,508/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,260
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,383
−HK$2,158/mo
Today · 4.125%
HK$72,541
baseline
▲ 0.50% · 4.625%
HK$76,955
+HK$4,414/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,082/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,939
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,975
−HK$2,066/mo
Today · 4.125%
HK$80,041
baseline
▲ 0.50% · 4.625%
HK$84,261
+HK$4,220/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,082/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,653 · Scale 2, in force from 26 Feb 2026)