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$37,918
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,098
−HK$1,198/mo
Today · 4.125%
HK$40,296
baseline
▲ 0.50% · 4.625%
HK$42,748
+HK$2,452/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,592/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,184
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,315
−HK$1,148/mo
Today · 4.125%
HK$44,463
baseline
▲ 0.50% · 4.625%
HK$46,807
+HK$2,344/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,926/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,502
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,918
−HK$1,438/mo
Today · 4.125%
HK$48,356
baseline
▲ 0.50% · 4.625%
HK$51,298
+HK$2,942/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,712/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,621
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,978
−HK$1,378/mo
Today · 4.125%
HK$53,356
baseline
▲ 0.50% · 4.625%
HK$56,168
+HK$2,812/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,712/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,086
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,737
−HK$1,678/mo
Today · 4.125%
HK$56,415
baseline
▲ 0.50% · 4.625%
HK$59,848
+HK$3,433/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,830/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,058
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,641
−HK$1,607/mo
Today · 4.125%
HK$62,248
baseline
▲ 0.50% · 4.625%
HK$65,529
+HK$3,281/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,496/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,253
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,376
−HK$2,157/mo
Today · 4.125%
HK$72,533
baseline
▲ 0.50% · 4.625%
HK$76,947
+HK$4,414/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,066/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,931
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,968
−HK$2,065/mo
Today · 4.125%
HK$80,033
baseline
▲ 0.50% · 4.625%
HK$84,252
+HK$4,219/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,066/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,590 · Scale 2, in force from 26 Feb 2026)