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$37,846
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,023
−HK$1,196/mo
Today · 4.125%
HK$40,219
baseline
▲ 0.50% · 4.625%
HK$42,666
+HK$2,447/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,438/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,103
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,232
−HK$1,146/mo
Today · 4.125%
HK$44,378
baseline
▲ 0.50% · 4.625%
HK$46,717
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,756/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,415
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,828
−HK$1,435/mo
Today · 4.125%
HK$48,263
baseline
▲ 0.50% · 4.625%
HK$51,200
+HK$2,937/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,526/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,524
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,879
−HK$1,374/mo
Today · 4.125%
HK$53,253
baseline
▲ 0.50% · 4.625%
HK$56,061
+HK$2,808/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,506/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,984
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,632
−HK$1,675/mo
Today · 4.125%
HK$56,307
baseline
▲ 0.50% · 4.625%
HK$59,733
+HK$3,426/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,614/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,944
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,525
−HK$1,604/mo
Today · 4.125%
HK$62,129
baseline
▲ 0.50% · 4.625%
HK$65,404
+HK$3,275/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,258/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,123
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,242
−HK$2,153/mo
Today · 4.125%
HK$72,395
baseline
▲ 0.50% · 4.625%
HK$76,800
+HK$4,405/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,790/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,786
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,818
−HK$2,062/mo
Today · 4.125%
HK$79,880
baseline
▲ 0.50% · 4.625%
HK$84,091
+HK$4,211/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,760/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,396 · Scale 2, in force from 26 Feb 2026)