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$37,946
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,127
−HK$1,199/mo
Today · 4.125%
HK$40,326
baseline
▲ 0.50% · 4.625%
HK$42,780
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,652/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$624,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,215
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,347
−HK$1,149/mo
Today · 4.125%
HK$44,496
baseline
▲ 0.50% · 4.625%
HK$46,841
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,992/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$624,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,536
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,952
−HK$1,439/mo
Today · 4.125%
HK$48,391
baseline
▲ 0.50% · 4.625%
HK$51,336
+HK$2,945/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$96,782/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,658
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,017
−HK$1,378/mo
Today · 4.125%
HK$53,395
baseline
▲ 0.50% · 4.625%
HK$56,209
+HK$2,814/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$106,790/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,125
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,777
−HK$1,679/mo
Today · 4.125%
HK$56,456
baseline
▲ 0.50% · 4.625%
HK$59,892
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,912/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,101
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,686
−HK$1,608/mo
Today · 4.125%
HK$62,294
baseline
▲ 0.50% · 4.625%
HK$65,578
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,588/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,303
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,428
−HK$2,159/mo
Today · 4.125%
HK$72,587
baseline
▲ 0.50% · 4.625%
HK$77,003
+HK$4,416/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,174/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,987
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,025
−HK$2,067/mo
Today · 4.125%
HK$80,092
baseline
▲ 0.50% · 4.625%
HK$84,314
+HK$4,222/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,184/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,048 · Scale 2, in force from 26 Feb 2026)