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$37,932
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,112
−HK$1,198/mo
Today · 4.125%
HK$40,310
baseline
▲ 0.50% · 4.625%
HK$42,763
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,620/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,199
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,330
−HK$1,149/mo
Today · 4.125%
HK$44,479
baseline
▲ 0.50% · 4.625%
HK$46,823
+HK$2,344/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,958/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,518
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,934
−HK$1,439/mo
Today · 4.125%
HK$48,373
baseline
▲ 0.50% · 4.625%
HK$51,316
+HK$2,943/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,746/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,638
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,997
−HK$1,377/mo
Today · 4.125%
HK$53,374
baseline
▲ 0.50% · 4.625%
HK$56,188
+HK$2,814/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,748/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,104
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,756
−HK$1,679/mo
Today · 4.125%
HK$56,435
baseline
▲ 0.50% · 4.625%
HK$59,869
+HK$3,434/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,870/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,078
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,663
−HK$1,607/mo
Today · 4.125%
HK$62,270
baseline
▲ 0.50% · 4.625%
HK$65,552
+HK$3,282/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,540/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,277
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,401
−HK$2,158/mo
Today · 4.125%
HK$72,559
baseline
▲ 0.50% · 4.625%
HK$76,974
+HK$4,415/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,118/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,958
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,995
−HK$2,066/mo
Today · 4.125%
HK$80,061
baseline
▲ 0.50% · 4.625%
HK$84,282
+HK$4,221/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,122/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,808 · Scale 2, in force from 26 Feb 2026)