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$37,952
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,132
−HK$1,199/mo
Today · 4.125%
HK$40,331
baseline
▲ 0.50% · 4.625%
HK$42,786
+HK$2,455/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,662/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,221
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,353
−HK$1,149/mo
Today · 4.125%
HK$44,502
baseline
▲ 0.50% · 4.625%
HK$46,848
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,004/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,542
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,959
−HK$1,439/mo
Today · 4.125%
HK$48,398
baseline
▲ 0.50% · 4.625%
HK$51,343
+HK$2,945/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,796/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,665
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,024
−HK$1,378/mo
Today · 4.125%
HK$53,402
baseline
▲ 0.50% · 4.625%
HK$56,217
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,804/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,132
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,785
−HK$1,679/mo
Today · 4.125%
HK$56,464
baseline
▲ 0.50% · 4.625%
HK$59,900
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,928/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,109
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,694
−HK$1,609/mo
Today · 4.125%
HK$62,303
baseline
▲ 0.50% · 4.625%
HK$65,587
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,606/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,313
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,438
−HK$2,159/mo
Today · 4.125%
HK$72,597
baseline
▲ 0.50% · 4.625%
HK$77,014
+HK$4,417/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,194/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,997
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,036
−HK$2,067/mo
Today · 4.125%
HK$80,103
baseline
▲ 0.50% · 4.625%
HK$84,326
+HK$4,223/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,206/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,134 · Scale 2, in force from 26 Feb 2026)