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$37,917
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,097
−HK$1,198/mo
Today · 4.125%
HK$40,295
baseline
▲ 0.50% · 4.625%
HK$42,747
+HK$2,452/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,590/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,182
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,314
−HK$1,147/mo
Today · 4.125%
HK$44,461
baseline
▲ 0.50% · 4.625%
HK$46,805
+HK$2,344/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,922/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,501
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,916
−HK$1,438/mo
Today · 4.125%
HK$48,354
baseline
▲ 0.50% · 4.625%
HK$51,296
+HK$2,942/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,708/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,619
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,977
−HK$1,377/mo
Today · 4.125%
HK$53,354
baseline
▲ 0.50% · 4.625%
HK$56,166
+HK$2,812/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,708/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,084
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,735
−HK$1,678/mo
Today · 4.125%
HK$56,413
baseline
▲ 0.50% · 4.625%
HK$59,845
+HK$3,432/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,826/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,055
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,639
−HK$1,607/mo
Today · 4.125%
HK$62,246
baseline
▲ 0.50% · 4.625%
HK$65,527
+HK$3,281/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,492/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,251
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,374
−HK$2,157/mo
Today · 4.125%
HK$72,531
baseline
▲ 0.50% · 4.625%
HK$76,944
+HK$4,413/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,062/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,928
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,965
−HK$2,066/mo
Today · 4.125%
HK$80,031
baseline
▲ 0.50% · 4.625%
HK$84,249
+HK$4,218/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,062/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,568 · Scale 2, in force from 26 Feb 2026)