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$2,378/mo
▼ 0.25% · 3.875%
HK$39,113
−HK$1,198/mo
Today · 4.125%
HK$40,311
baseline
▲ 0.50% · 4.625%
HK$42,764
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,622/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,200
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,332
−HK$1,148/mo
Today · 4.125%
HK$44,480
baseline
▲ 0.50% · 4.625%
HK$46,824
+HK$2,344/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$623,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,519
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,935
−HK$1,439/mo
Today · 4.125%
HK$48,374
baseline
▲ 0.50% · 4.625%
HK$51,317
+HK$2,943/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,748/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,640
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,998
−HK$1,378/mo
Today · 4.125%
HK$53,376
baseline
▲ 0.50% · 4.625%
HK$56,189
+HK$2,813/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,752/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,106
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,758
−HK$1,678/mo
Today · 4.125%
HK$56,436
baseline
▲ 0.50% · 4.625%
HK$59,870
+HK$3,434/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,872/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,080
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,664
−HK$1,608/mo
Today · 4.125%
HK$62,272
baseline
▲ 0.50% · 4.625%
HK$65,554
+HK$3,282/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,544/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,279
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,403
−HK$2,158/mo
Today · 4.125%
HK$72,561
baseline
▲ 0.50% · 4.625%
HK$76,976
+HK$4,415/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,122/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,960
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,997
−HK$2,066/mo
Today · 4.125%
HK$80,063
baseline
▲ 0.50% · 4.625%
HK$84,284
+HK$4,221/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,126/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,823 · Scale 2, in force from 26 Feb 2026)