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$38,042
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,226
−HK$1,202/mo
Today · 4.125%
HK$40,428
baseline
▲ 0.50% · 4.625%
HK$42,888
+HK$2,460/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,856/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,322
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,457
−HK$1,151/mo
Today · 4.125%
HK$44,608
baseline
▲ 0.50% · 4.625%
HK$46,960
+HK$2,352/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,216/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,651
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,071
−HK$1,443/mo
Today · 4.125%
HK$48,514
baseline
▲ 0.50% · 4.625%
HK$51,466
+HK$2,952/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,028/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,786
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,148
−HK$1,382/mo
Today · 4.125%
HK$53,530
baseline
▲ 0.50% · 4.625%
HK$56,352
+HK$2,822/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,060/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,259
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,916
−HK$1,683/mo
Today · 4.125%
HK$56,599
baseline
▲ 0.50% · 4.625%
HK$60,043
+HK$3,444/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,198/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,251
−HK$3,201/mo
▼ 0.25% · 3.875%
HK$60,840
−HK$1,612/mo
Today · 4.125%
HK$62,452
baseline
▲ 0.50% · 4.625%
HK$65,744
+HK$3,292/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,904/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,476
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,606
−HK$2,165/mo
Today · 4.125%
HK$72,771
baseline
▲ 0.50% · 4.625%
HK$77,198
+HK$4,427/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,542/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,179
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,222
−HK$2,073/mo
Today · 4.125%
HK$80,295
baseline
▲ 0.50% · 4.625%
HK$84,528
+HK$4,233/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,590/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,629 · Scale 2, in force from 26 Feb 2026)