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$37,933
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,113
−HK$1,199/mo
Today · 4.125%
HK$40,312
baseline
▲ 0.50% · 4.625%
HK$42,765
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,624/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,201
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,332
−HK$1,148/mo
Today · 4.125%
HK$44,480
baseline
▲ 0.50% · 4.625%
HK$46,825
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,960/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,520
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,936
−HK$1,439/mo
Today · 4.125%
HK$48,375
baseline
▲ 0.50% · 4.625%
HK$51,318
+HK$2,943/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,750/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,641
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,999
−HK$1,378/mo
Today · 4.125%
HK$53,377
baseline
▲ 0.50% · 4.625%
HK$56,190
+HK$2,813/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,754/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,107
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,759
−HK$1,678/mo
Today · 4.125%
HK$56,437
baseline
▲ 0.50% · 4.625%
HK$59,871
+HK$3,434/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,874/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,081
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,665
−HK$1,608/mo
Today · 4.125%
HK$62,273
baseline
▲ 0.50% · 4.625%
HK$65,555
+HK$3,282/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,546/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,280
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,404
−HK$2,158/mo
Today · 4.125%
HK$72,562
baseline
▲ 0.50% · 4.625%
HK$76,977
+HK$4,415/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,124/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,961
−HK$4,104/mo
▼ 0.25% · 3.875%
HK$77,998
−HK$2,067/mo
Today · 4.125%
HK$80,065
baseline
▲ 0.50% · 4.625%
HK$84,285
+HK$4,220/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,130/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,835 · Scale 2, in force from 26 Feb 2026)