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$37,906
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,085
−HK$1,198/mo
Today · 4.125%
HK$40,283
baseline
▲ 0.50% · 4.625%
HK$42,735
+HK$2,452/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,566/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,170
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,301
−HK$1,148/mo
Today · 4.125%
HK$44,449
baseline
▲ 0.50% · 4.625%
HK$46,792
+HK$2,343/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,898/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,488
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,903
−HK$1,437/mo
Today · 4.125%
HK$48,340
baseline
▲ 0.50% · 4.625%
HK$51,282
+HK$2,942/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,680/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,605
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,962
−HK$1,377/mo
Today · 4.125%
HK$53,339
baseline
▲ 0.50% · 4.625%
HK$56,150
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,678/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,069
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,720
−HK$1,677/mo
Today · 4.125%
HK$56,397
baseline
▲ 0.50% · 4.625%
HK$59,828
+HK$3,431/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,794/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,039
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,622
−HK$1,606/mo
Today · 4.125%
HK$62,228
baseline
▲ 0.50% · 4.625%
HK$65,508
+HK$3,280/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,456/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,232
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,354
−HK$2,156/mo
Today · 4.125%
HK$72,510
baseline
▲ 0.50% · 4.625%
HK$76,922
+HK$4,412/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$145,020/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,907
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,943
−HK$2,065/mo
Today · 4.125%
HK$80,008
baseline
▲ 0.50% · 4.625%
HK$84,225
+HK$4,217/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$160,016/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,391 · Scale 2, in force from 26 Feb 2026)