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$37,853
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,031
−HK$1,196/mo
Today · 4.125%
HK$40,227
baseline
▲ 0.50% · 4.625%
HK$42,675
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,454/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,111
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,241
−HK$1,146/mo
Today · 4.125%
HK$44,387
baseline
▲ 0.50% · 4.625%
HK$46,726
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,774/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,424
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,837
−HK$1,435/mo
Today · 4.125%
HK$48,272
baseline
▲ 0.50% · 4.625%
HK$51,210
+HK$2,938/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,544/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,534
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,889
−HK$1,375/mo
Today · 4.125%
HK$53,264
baseline
▲ 0.50% · 4.625%
HK$56,071
+HK$2,807/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,528/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,995
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,643
−HK$1,675/mo
Today · 4.125%
HK$56,318
baseline
▲ 0.50% · 4.625%
HK$59,745
+HK$3,427/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,636/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,956
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,537
−HK$1,604/mo
Today · 4.125%
HK$62,141
baseline
▲ 0.50% · 4.625%
HK$65,417
+HK$3,276/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,282/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,136
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,255
−HK$2,154/mo
Today · 4.125%
HK$72,409
baseline
▲ 0.50% · 4.625%
HK$76,814
+HK$4,405/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,818/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,800
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,833
−HK$2,063/mo
Today · 4.125%
HK$79,896
baseline
▲ 0.50% · 4.625%
HK$84,107
+HK$4,211/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,792/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,517 · Scale 2, in force from 26 Feb 2026)