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$37,920
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,099
−HK$1,199/mo
Today · 4.125%
HK$40,298
baseline
▲ 0.50% · 4.625%
HK$42,750
+HK$2,452/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,596/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,185
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,317
−HK$1,148/mo
Today · 4.125%
HK$44,465
baseline
▲ 0.50% · 4.625%
HK$46,808
+HK$2,343/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,930/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,504
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,919
−HK$1,438/mo
Today · 4.125%
HK$48,357
baseline
▲ 0.50% · 4.625%
HK$51,300
+HK$2,943/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,714/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,623
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,980
−HK$1,378/mo
Today · 4.125%
HK$53,358
baseline
▲ 0.50% · 4.625%
HK$56,170
+HK$2,812/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,716/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,088
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,739
−HK$1,678/mo
Today · 4.125%
HK$56,417
baseline
▲ 0.50% · 4.625%
HK$59,850
+HK$3,433/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,834/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,060
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,644
−HK$1,606/mo
Today · 4.125%
HK$62,250
baseline
▲ 0.50% · 4.625%
HK$65,532
+HK$3,282/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,500/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,256
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,379
−HK$2,157/mo
Today · 4.125%
HK$72,536
baseline
▲ 0.50% · 4.625%
HK$76,950
+HK$4,414/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,072/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,934
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,970
−HK$2,066/mo
Today · 4.125%
HK$80,036
baseline
▲ 0.50% · 4.625%
HK$84,255
+HK$4,219/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,072/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,612 · Scale 2, in force from 26 Feb 2026)