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$37,874
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,052
−HK$1,197/mo
Today · 4.125%
HK$40,249
baseline
▲ 0.50% · 4.625%
HK$42,698
+HK$2,449/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,498/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,134
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,264
−HK$1,147/mo
Today · 4.125%
HK$44,411
baseline
▲ 0.50% · 4.625%
HK$46,752
+HK$2,341/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,822/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,449
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,862
−HK$1,437/mo
Today · 4.125%
HK$48,299
baseline
▲ 0.50% · 4.625%
HK$51,238
+HK$2,939/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$96,598/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,561
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,917
−HK$1,376/mo
Today · 4.125%
HK$53,293
baseline
▲ 0.50% · 4.625%
HK$56,102
+HK$2,809/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$106,586/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,024
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,673
−HK$1,676/mo
Today · 4.125%
HK$56,349
baseline
▲ 0.50% · 4.625%
HK$59,777
+HK$3,428/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,698/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,988
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,570
−HK$1,605/mo
Today · 4.125%
HK$62,175
baseline
▲ 0.50% · 4.625%
HK$65,452
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,350/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,173
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,294
−HK$2,154/mo
Today · 4.125%
HK$72,448
baseline
▲ 0.50% · 4.625%
HK$76,856
+HK$4,408/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,896/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,842
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,876
−HK$2,063/mo
Today · 4.125%
HK$79,939
baseline
▲ 0.50% · 4.625%
HK$84,153
+HK$4,214/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,878/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,857 · Scale 2, in force from 26 Feb 2026)