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$38,057
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,240
−HK$1,203/mo
Today · 4.125%
HK$40,443
baseline
▲ 0.50% · 4.625%
HK$42,904
+HK$2,461/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,886/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,337
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,473
−HK$1,152/mo
Today · 4.125%
HK$44,625
baseline
▲ 0.50% · 4.625%
HK$46,977
+HK$2,352/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,250/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,668
−HK$2,864/mo
▼ 0.25% · 3.875%
HK$47,088
−HK$1,444/mo
Today · 4.125%
HK$48,532
baseline
▲ 0.50% · 4.625%
HK$51,485
+HK$2,953/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$97,064/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,805
−HK$2,745/mo
▼ 0.25% · 3.875%
HK$52,168
−HK$1,382/mo
Today · 4.125%
HK$53,550
baseline
▲ 0.50% · 4.625%
HK$56,373
+HK$2,823/mo
Deposit HK$6.68M · loan HK$10.01M · min. income ≈ HK$107,100/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,279
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$54,936
−HK$1,684/mo
Today · 4.125%
HK$56,620
baseline
▲ 0.50% · 4.625%
HK$60,065
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,240/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,272
−HK$3,203/mo
▼ 0.25% · 3.875%
HK$60,862
−HK$1,613/mo
Today · 4.125%
HK$62,475
baseline
▲ 0.50% · 4.625%
HK$65,768
+HK$3,293/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,950/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,502
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,633
−HK$2,164/mo
Today · 4.125%
HK$72,797
baseline
▲ 0.50% · 4.625%
HK$77,227
+HK$4,430/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,594/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,207
−HK$4,118/mo
▼ 0.25% · 3.875%
HK$78,251
−HK$2,074/mo
Today · 4.125%
HK$80,325
baseline
▲ 0.50% · 4.625%
HK$84,559
+HK$4,234/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,650/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,860 · Scale 2, in force from 26 Feb 2026)