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$37,942
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,122
−HK$1,199/mo
Today · 4.125%
HK$40,321
baseline
▲ 0.50% · 4.625%
HK$42,774
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,642/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,210
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,342
−HK$1,148/mo
Today · 4.125%
HK$44,490
baseline
▲ 0.50% · 4.625%
HK$46,835
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,980/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,530
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,946
−HK$1,439/mo
Today · 4.125%
HK$48,385
baseline
▲ 0.50% · 4.625%
HK$51,329
+HK$2,944/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$96,770/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,652
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,010
−HK$1,378/mo
Today · 4.125%
HK$53,388
baseline
▲ 0.50% · 4.625%
HK$56,203
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$106,776/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,118
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,771
−HK$1,678/mo
Today · 4.125%
HK$56,449
baseline
▲ 0.50% · 4.625%
HK$59,884
+HK$3,435/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,898/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,094
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,679
−HK$1,607/mo
Today · 4.125%
HK$62,286
baseline
▲ 0.50% · 4.625%
HK$65,570
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,572/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,295
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,420
−HK$2,158/mo
Today · 4.125%
HK$72,578
baseline
▲ 0.50% · 4.625%
HK$76,994
+HK$4,416/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,156/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,978
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,015
−HK$2,068/mo
Today · 4.125%
HK$80,083
baseline
▲ 0.50% · 4.625%
HK$84,304
+HK$4,221/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,166/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,972 · Scale 2, in force from 26 Feb 2026)