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$37,783
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,958
−HK$1,194/mo
Today · 4.125%
HK$40,152
baseline
▲ 0.50% · 4.625%
HK$42,595
+HK$2,443/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,304/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,033
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,160
−HK$1,144/mo
Today · 4.125%
HK$44,304
baseline
▲ 0.50% · 4.625%
HK$46,639
+HK$2,335/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,608/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,339
−HK$2,843/mo
▼ 0.25% · 3.875%
HK$46,750
−HK$1,432/mo
Today · 4.125%
HK$48,182
baseline
▲ 0.50% · 4.625%
HK$51,114
+HK$2,932/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,364/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,439
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,792
−HK$1,373/mo
Today · 4.125%
HK$53,165
baseline
▲ 0.50% · 4.625%
HK$55,967
+HK$2,802/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,330/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,896
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$54,541
−HK$1,672/mo
Today · 4.125%
HK$56,213
baseline
▲ 0.50% · 4.625%
HK$59,633
+HK$3,420/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,426/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,846
−HK$3,179/mo
▼ 0.25% · 3.875%
HK$60,424
−HK$1,601/mo
Today · 4.125%
HK$62,025
baseline
▲ 0.50% · 4.625%
HK$65,295
+HK$3,270/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,050/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,009
−HK$4,265/mo
▼ 0.25% · 3.875%
HK$70,124
−HK$2,150/mo
Today · 4.125%
HK$72,274
baseline
▲ 0.50% · 4.625%
HK$76,671
+HK$4,397/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,548/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,659
−HK$4,088/mo
▼ 0.25% · 3.875%
HK$77,688
−HK$2,059/mo
Today · 4.125%
HK$79,747
baseline
▲ 0.50% · 4.625%
HK$83,950
+HK$4,203/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,494/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,357 · Scale 2, in force from 26 Feb 2026)