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$37,841
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,018
−HK$1,196/mo
Today · 4.125%
HK$40,214
baseline
▲ 0.50% · 4.625%
HK$42,660
+HK$2,446/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,428/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,097
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,226
−HK$1,146/mo
Today · 4.125%
HK$44,372
baseline
▲ 0.50% · 4.625%
HK$46,711
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,744/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,409
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,821
−HK$1,435/mo
Today · 4.125%
HK$48,256
baseline
▲ 0.50% · 4.625%
HK$51,192
+HK$2,936/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,512/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,517
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,872
−HK$1,374/mo
Today · 4.125%
HK$53,246
baseline
▲ 0.50% · 4.625%
HK$56,053
+HK$2,807/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,492/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,977
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,625
−HK$1,674/mo
Today · 4.125%
HK$56,299
baseline
▲ 0.50% · 4.625%
HK$59,725
+HK$3,426/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,598/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,936
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,517
−HK$1,603/mo
Today · 4.125%
HK$62,120
baseline
▲ 0.50% · 4.625%
HK$65,395
+HK$3,275/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,240/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,113
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,232
−HK$2,152/mo
Today · 4.125%
HK$72,384
baseline
▲ 0.50% · 4.625%
HK$76,789
+HK$4,405/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,768/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,775
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,807
−HK$2,062/mo
Today · 4.125%
HK$79,869
baseline
▲ 0.50% · 4.625%
HK$84,079
+HK$4,210/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,738/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,308 · Scale 2, in force from 26 Feb 2026)