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$37,877
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,055
−HK$1,197/mo
Today · 4.125%
HK$40,252
baseline
▲ 0.50% · 4.625%
HK$42,701
+HK$2,449/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,504/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,138
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,268
−HK$1,146/mo
Today · 4.125%
HK$44,414
baseline
▲ 0.50% · 4.625%
HK$46,755
+HK$2,341/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,828/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,452
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,866
−HK$1,437/mo
Today · 4.125%
HK$48,303
baseline
▲ 0.50% · 4.625%
HK$51,242
+HK$2,939/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$96,606/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,565
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,921
−HK$1,376/mo
Today · 4.125%
HK$53,297
baseline
▲ 0.50% · 4.625%
HK$56,107
+HK$2,810/mo
Deposit HK$6.64M · loan HK$9.97M · min. income ≈ HK$106,594/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,028
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,677
−HK$1,676/mo
Today · 4.125%
HK$56,353
baseline
▲ 0.50% · 4.625%
HK$59,782
+HK$3,429/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,706/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,993
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,575
−HK$1,605/mo
Today · 4.125%
HK$62,180
baseline
▲ 0.50% · 4.625%
HK$65,458
+HK$3,278/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,360/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$622,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,179
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,299
−HK$2,155/mo
Today · 4.125%
HK$72,454
baseline
▲ 0.50% · 4.625%
HK$76,863
+HK$4,409/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,908/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,848
−HK$4,098/mo
▼ 0.25% · 3.875%
HK$77,882
−HK$2,064/mo
Today · 4.125%
HK$79,946
baseline
▲ 0.50% · 4.625%
HK$84,160
+HK$4,214/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,892/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,907 · Scale 2, in force from 26 Feb 2026)