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$37,780
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,956
−HK$1,194/mo
Today · 4.125%
HK$40,150
baseline
▲ 0.50% · 4.625%
HK$42,593
+HK$2,443/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,300/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,030
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,158
−HK$1,143/mo
Today · 4.125%
HK$44,301
baseline
▲ 0.50% · 4.625%
HK$46,636
+HK$2,335/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,602/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,337
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,747
−HK$1,433/mo
Today · 4.125%
HK$48,180
baseline
▲ 0.50% · 4.625%
HK$51,111
+HK$2,931/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,360/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,436
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,789
−HK$1,372/mo
Today · 4.125%
HK$53,161
baseline
▲ 0.50% · 4.625%
HK$55,964
+HK$2,803/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,322/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,893
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,538
−HK$1,671/mo
Today · 4.125%
HK$56,209
baseline
▲ 0.50% · 4.625%
HK$59,630
+HK$3,421/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,418/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,843
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,421
−HK$1,601/mo
Today · 4.125%
HK$62,022
baseline
▲ 0.50% · 4.625%
HK$65,291
+HK$3,269/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,044/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,005
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,120
−HK$2,149/mo
Today · 4.125%
HK$72,269
baseline
▲ 0.50% · 4.625%
HK$76,667
+HK$4,398/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,538/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,655
−HK$4,087/mo
▼ 0.25% · 3.875%
HK$77,684
−HK$2,058/mo
Today · 4.125%
HK$79,742
baseline
▲ 0.50% · 4.625%
HK$83,945
+HK$4,203/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,484/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,320 · Scale 2, in force from 26 Feb 2026)