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$37,786
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,961
−HK$1,194/mo
Today · 4.125%
HK$40,155
baseline
▲ 0.50% · 4.625%
HK$42,598
+HK$2,443/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,310/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,036
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,164
−HK$1,143/mo
Today · 4.125%
HK$44,307
baseline
▲ 0.50% · 4.625%
HK$46,643
+HK$2,336/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,614/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,343
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,753
−HK$1,433/mo
Today · 4.125%
HK$48,186
baseline
▲ 0.50% · 4.625%
HK$51,118
+HK$2,932/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,372/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,443
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,796
−HK$1,373/mo
Today · 4.125%
HK$53,169
baseline
▲ 0.50% · 4.625%
HK$55,971
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,338/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,900
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,545
−HK$1,672/mo
Today · 4.125%
HK$56,217
baseline
▲ 0.50% · 4.625%
HK$59,638
+HK$3,421/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,434/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,851
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,429
−HK$1,601/mo
Today · 4.125%
HK$62,030
baseline
▲ 0.50% · 4.625%
HK$65,300
+HK$3,270/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,060/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,014
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,130
−HK$2,149/mo
Today · 4.125%
HK$72,279
baseline
▲ 0.50% · 4.625%
HK$76,677
+HK$4,398/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,558/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,665
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,694
−HK$2,059/mo
Today · 4.125%
HK$79,753
baseline
▲ 0.50% · 4.625%
HK$83,957
+HK$4,204/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,506/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,405 · Scale 2, in force from 26 Feb 2026)