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$37,775
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,950
−HK$1,194/mo
Today · 4.125%
HK$40,144
baseline
▲ 0.50% · 4.625%
HK$42,586
+HK$2,442/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,288/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,024
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,151
−HK$1,144/mo
Today · 4.125%
HK$44,295
baseline
▲ 0.50% · 4.625%
HK$46,629
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,590/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,330
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,740
−HK$1,432/mo
Today · 4.125%
HK$48,172
baseline
▲ 0.50% · 4.625%
HK$51,104
+HK$2,932/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,344/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,429
−HK$2,725/mo
▼ 0.25% · 3.875%
HK$51,782
−HK$1,372/mo
Today · 4.125%
HK$53,154
baseline
▲ 0.50% · 4.625%
HK$55,955
+HK$2,801/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,308/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,885
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,530
−HK$1,671/mo
Today · 4.125%
HK$56,201
baseline
▲ 0.50% · 4.625%
HK$59,621
+HK$3,420/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,402/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,834
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,412
−HK$1,601/mo
Today · 4.125%
HK$62,013
baseline
▲ 0.50% · 4.625%
HK$65,281
+HK$3,268/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,026/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,995
−HK$4,264/mo
▼ 0.25% · 3.875%
HK$70,110
−HK$2,149/mo
Today · 4.125%
HK$72,259
baseline
▲ 0.50% · 4.625%
HK$76,656
+HK$4,397/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,518/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,644
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,672
−HK$2,058/mo
Today · 4.125%
HK$79,730
baseline
▲ 0.50% · 4.625%
HK$83,933
+HK$4,203/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,460/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,229 · Scale 2, in force from 26 Feb 2026)