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$37,773
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,948
−HK$1,194/mo
Today · 4.125%
HK$40,142
baseline
▲ 0.50% · 4.625%
HK$42,585
+HK$2,443/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,284/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,023
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,150
−HK$1,143/mo
Today · 4.125%
HK$44,293
baseline
▲ 0.50% · 4.625%
HK$46,628
+HK$2,335/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,586/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,328
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,738
−HK$1,433/mo
Today · 4.125%
HK$48,171
baseline
▲ 0.50% · 4.625%
HK$51,102
+HK$2,931/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,342/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,427
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,779
−HK$1,372/mo
Today · 4.125%
HK$53,151
baseline
▲ 0.50% · 4.625%
HK$55,953
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,302/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,883
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,528
−HK$1,671/mo
Today · 4.125%
HK$56,199
baseline
▲ 0.50% · 4.625%
HK$59,619
+HK$3,420/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,398/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,832
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,409
−HK$1,601/mo
Today · 4.125%
HK$62,010
baseline
▲ 0.50% · 4.625%
HK$65,279
+HK$3,269/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,020/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,992
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,107
−HK$2,149/mo
Today · 4.125%
HK$72,256
baseline
▲ 0.50% · 4.625%
HK$76,652
+HK$4,396/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,512/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,641
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,669
−HK$2,058/mo
Today · 4.125%
HK$79,727
baseline
▲ 0.50% · 4.625%
HK$83,930
+HK$4,203/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,454/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,204 · Scale 2, in force from 26 Feb 2026)