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$37,800
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,976
−HK$1,194/mo
Today · 4.125%
HK$40,170
baseline
▲ 0.50% · 4.625%
HK$42,615
+HK$2,445/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,340/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,052
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,180
−HK$1,144/mo
Today · 4.125%
HK$44,324
baseline
▲ 0.50% · 4.625%
HK$46,660
+HK$2,336/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,648/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,360
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,771
−HK$1,433/mo
Today · 4.125%
HK$48,204
baseline
▲ 0.50% · 4.625%
HK$51,138
+HK$2,934/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,408/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,463
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,816
−HK$1,373/mo
Today · 4.125%
HK$53,189
baseline
▲ 0.50% · 4.625%
HK$55,992
+HK$2,803/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,378/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,920
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$54,566
−HK$1,673/mo
Today · 4.125%
HK$56,239
baseline
▲ 0.50% · 4.625%
HK$59,660
+HK$3,421/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,478/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,873
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,452
−HK$1,602/mo
Today · 4.125%
HK$62,054
baseline
▲ 0.50% · 4.625%
HK$65,325
+HK$3,271/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,108/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,040
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,156
−HK$2,151/mo
Today · 4.125%
HK$72,307
baseline
▲ 0.50% · 4.625%
HK$76,706
+HK$4,399/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,614/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,694
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,724
−HK$2,059/mo
Today · 4.125%
HK$79,783
baseline
▲ 0.50% · 4.625%
HK$83,989
+HK$4,206/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,566/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,641 · Scale 2, in force from 26 Feb 2026)