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$37,908
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,087
−HK$1,198/mo
Today · 4.125%
HK$40,285
baseline
▲ 0.50% · 4.625%
HK$42,737
+HK$2,452/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,570/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,172
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,304
−HK$1,147/mo
Today · 4.125%
HK$44,451
baseline
▲ 0.50% · 4.625%
HK$46,794
+HK$2,343/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,902/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,490
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,905
−HK$1,437/mo
Today · 4.125%
HK$48,342
baseline
▲ 0.50% · 4.625%
HK$51,284
+HK$2,942/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,684/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,607
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,964
−HK$1,377/mo
Today · 4.125%
HK$53,341
baseline
▲ 0.50% · 4.625%
HK$56,153
+HK$2,812/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,682/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,071
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,722
−HK$1,678/mo
Today · 4.125%
HK$56,400
baseline
▲ 0.50% · 4.625%
HK$59,831
+HK$3,431/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,800/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,041
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,625
−HK$1,606/mo
Today · 4.125%
HK$62,231
baseline
▲ 0.50% · 4.625%
HK$65,512
+HK$3,281/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,462/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,235
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,357
−HK$2,157/mo
Today · 4.125%
HK$72,514
baseline
▲ 0.50% · 4.625%
HK$76,926
+HK$4,412/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$145,028/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,910
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,946
−HK$2,066/mo
Today · 4.125%
HK$80,012
baseline
▲ 0.50% · 4.625%
HK$84,229
+HK$4,217/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$160,024/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,420 · Scale 2, in force from 26 Feb 2026)