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$37,880
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,058
−HK$1,197/mo
Today · 4.125%
HK$40,255
baseline
▲ 0.50% · 4.625%
HK$42,705
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,510/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,141
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,271
−HK$1,147/mo
Today · 4.125%
HK$44,418
baseline
▲ 0.50% · 4.625%
HK$46,759
+HK$2,341/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,836/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,456
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,870
−HK$1,436/mo
Today · 4.125%
HK$48,306
baseline
▲ 0.50% · 4.625%
HK$51,246
+HK$2,940/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$96,612/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,569
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,926
−HK$1,375/mo
Today · 4.125%
HK$53,301
baseline
▲ 0.50% · 4.625%
HK$56,111
+HK$2,810/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$106,602/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,032
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,682
−HK$1,676/mo
Today · 4.125%
HK$56,358
baseline
▲ 0.50% · 4.625%
HK$59,787
+HK$3,429/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,716/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,998
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,580
−HK$1,605/mo
Today · 4.125%
HK$62,185
baseline
▲ 0.50% · 4.625%
HK$65,463
+HK$3,278/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,370/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,184
−HK$4,276/mo
▼ 0.25% · 3.875%
HK$70,305
−HK$2,155/mo
Today · 4.125%
HK$72,460
baseline
▲ 0.50% · 4.625%
HK$76,869
+HK$4,409/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,920/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,854
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,888
−HK$2,064/mo
Today · 4.125%
HK$79,952
baseline
▲ 0.50% · 4.625%
HK$84,166
+HK$4,214/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,904/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,956 · Scale 2, in force from 26 Feb 2026)