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$37,792
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,967
−HK$1,194/mo
Today · 4.125%
HK$40,161
baseline
▲ 0.50% · 4.625%
HK$42,605
+HK$2,444/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,322/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,043
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,170
−HK$1,144/mo
Today · 4.125%
HK$44,314
baseline
▲ 0.50% · 4.625%
HK$46,650
+HK$2,336/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,628/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,350
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,761
−HK$1,433/mo
Today · 4.125%
HK$48,194
baseline
▲ 0.50% · 4.625%
HK$51,126
+HK$2,932/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,388/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,451
−HK$2,726/mo
▼ 0.25% · 3.875%
HK$51,804
−HK$1,373/mo
Today · 4.125%
HK$53,177
baseline
▲ 0.50% · 4.625%
HK$55,980
+HK$2,803/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,354/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,908
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,554
−HK$1,672/mo
Today · 4.125%
HK$56,226
baseline
▲ 0.50% · 4.625%
HK$59,647
+HK$3,421/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,452/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,860
−HK$3,180/mo
▼ 0.25% · 3.875%
HK$60,438
−HK$1,602/mo
Today · 4.125%
HK$62,040
baseline
▲ 0.50% · 4.625%
HK$65,310
+HK$3,270/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,080/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,025
−HK$4,266/mo
▼ 0.25% · 3.875%
HK$70,141
−HK$2,150/mo
Today · 4.125%
HK$72,291
baseline
▲ 0.50% · 4.625%
HK$76,689
+HK$4,398/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,582/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,677
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,707
−HK$2,059/mo
Today · 4.125%
HK$79,766
baseline
▲ 0.50% · 4.625%
HK$83,970
+HK$4,204/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,532/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,503 · Scale 2, in force from 26 Feb 2026)