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$622,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,135
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,265
−HK$1,146/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$622,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,449
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,863
−HK$1,436/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$622,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,562
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,918
−HK$1,375/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$622,862 · 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$59,778
+HK$3,429/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$622,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,989
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,571
−HK$1,605/mo
Today · 4.125%
HK$62,176
baseline
▲ 0.50% · 4.625%
HK$65,453
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,352/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,174
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,294
−HK$2,155/mo
Today · 4.125%
HK$72,449
baseline
▲ 0.50% · 4.625%
HK$76,857
+HK$4,408/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,898/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,842
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,876
−HK$2,064/mo
Today · 4.125%
HK$79,940
baseline
▲ 0.50% · 4.625%
HK$84,154
+HK$4,214/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,880/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,862 · Scale 2, in force from 26 Feb 2026)