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$37,832
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,009
−HK$1,195/mo
Today · 4.125%
HK$40,204
baseline
▲ 0.50% · 4.625%
HK$42,651
+HK$2,447/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,408/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,088
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,216
−HK$1,145/mo
Today · 4.125%
HK$44,361
baseline
▲ 0.50% · 4.625%
HK$46,700
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,722/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,398
−HK$2,847/mo
▼ 0.25% · 3.875%
HK$46,810
−HK$1,435/mo
Today · 4.125%
HK$48,245
baseline
▲ 0.50% · 4.625%
HK$51,181
+HK$2,936/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$96,490/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,505
−HK$2,729/mo
▼ 0.25% · 3.875%
HK$51,860
−HK$1,374/mo
Today · 4.125%
HK$53,234
baseline
▲ 0.50% · 4.625%
HK$56,040
+HK$2,806/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$106,468/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,965
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$54,612
−HK$1,674/mo
Today · 4.125%
HK$56,286
baseline
▲ 0.50% · 4.625%
HK$59,711
+HK$3,425/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,572/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,923
−HK$3,183/mo
▼ 0.25% · 3.875%
HK$60,503
−HK$1,603/mo
Today · 4.125%
HK$62,106
baseline
▲ 0.50% · 4.625%
HK$65,380
+HK$3,274/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,212/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,097
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,216
−HK$2,152/mo
Today · 4.125%
HK$72,368
baseline
▲ 0.50% · 4.625%
HK$76,771
+HK$4,403/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,736/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,165 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,758
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,789
−HK$2,062/mo
Today · 4.125%
HK$79,851
baseline
▲ 0.50% · 4.625%
HK$84,060
+HK$4,209/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,702/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,165 · Scale 2, in force from 26 Feb 2026)