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$37,960
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,141
−HK$1,200/mo
Today · 4.125%
HK$40,341
baseline
▲ 0.50% · 4.625%
HK$42,795
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,682/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,230
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,363
−HK$1,149/mo
Today · 4.125%
HK$44,512
baseline
▲ 0.50% · 4.625%
HK$46,858
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,024/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,552
−HK$2,857/mo
▼ 0.25% · 3.875%
HK$46,969
−HK$1,440/mo
Today · 4.125%
HK$48,409
baseline
▲ 0.50% · 4.625%
HK$51,354
+HK$2,945/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,818/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,676
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,035
−HK$1,379/mo
Today · 4.125%
HK$53,414
baseline
▲ 0.50% · 4.625%
HK$56,230
+HK$2,816/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,828/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,144
−HK$3,333/mo
▼ 0.25% · 3.875%
HK$54,797
−HK$1,680/mo
Today · 4.125%
HK$56,477
baseline
▲ 0.50% · 4.625%
HK$59,913
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,954/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,122
−HK$3,195/mo
▼ 0.25% · 3.875%
HK$60,708
−HK$1,609/mo
Today · 4.125%
HK$62,317
baseline
▲ 0.50% · 4.625%
HK$65,601
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,634/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,328
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,454
−HK$2,159/mo
Today · 4.125%
HK$72,613
baseline
▲ 0.50% · 4.625%
HK$77,031
+HK$4,418/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,226/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,015
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,053
−HK$2,068/mo
Today · 4.125%
HK$80,121
baseline
▲ 0.50% · 4.625%
HK$84,345
+HK$4,224/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,242/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,275 · Scale 2, in force from 26 Feb 2026)