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$37,871
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,049
−HK$1,197/mo
Today · 4.125%
HK$40,246
baseline
▲ 0.50% · 4.625%
HK$42,695
+HK$2,449/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,492/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,131
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,261
−HK$1,146/mo
Today · 4.125%
HK$44,407
baseline
▲ 0.50% · 4.625%
HK$46,748
+HK$2,341/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,814/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,445
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,859
−HK$1,436/mo
Today · 4.125%
HK$48,295
baseline
▲ 0.50% · 4.625%
HK$51,233
+HK$2,938/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,590/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,557
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,913
−HK$1,376/mo
Today · 4.125%
HK$53,289
baseline
▲ 0.50% · 4.625%
HK$56,097
+HK$2,808/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,578/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,019
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,668
−HK$1,676/mo
Today · 4.125%
HK$56,344
baseline
▲ 0.50% · 4.625%
HK$59,772
+HK$3,428/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,688/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,983
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,565
−HK$1,605/mo
Today · 4.125%
HK$62,170
baseline
▲ 0.50% · 4.625%
HK$65,447
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,340/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,168
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,288
−HK$2,154/mo
Today · 4.125%
HK$72,442
baseline
▲ 0.50% · 4.625%
HK$76,850
+HK$4,408/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,884/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,836
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,870
−HK$2,063/mo
Today · 4.125%
HK$79,933
baseline
▲ 0.50% · 4.625%
HK$84,146
+HK$4,213/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,866/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,806 · Scale 2, in force from 26 Feb 2026)