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$37,892
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,071
−HK$1,197/mo
Today · 4.125%
HK$40,268
baseline
▲ 0.50% · 4.625%
HK$42,719
+HK$2,451/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,536/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,155
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,285
−HK$1,147/mo
Today · 4.125%
HK$44,432
baseline
▲ 0.50% · 4.625%
HK$46,774
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,864/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,471
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,885
−HK$1,437/mo
Today · 4.125%
HK$48,322
baseline
▲ 0.50% · 4.625%
HK$51,262
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,644/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,586
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,942
−HK$1,377/mo
Today · 4.125%
HK$53,319
baseline
▲ 0.50% · 4.625%
HK$56,129
+HK$2,810/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,638/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,049
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,699
−HK$1,677/mo
Today · 4.125%
HK$56,376
baseline
▲ 0.50% · 4.625%
HK$59,806
+HK$3,430/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$112,752/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,016
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,599
−HK$1,606/mo
Today · 4.125%
HK$62,205
baseline
▲ 0.50% · 4.625%
HK$65,484
+HK$3,279/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$124,410/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,206
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,327
−HK$2,156/mo
Today · 4.125%
HK$72,483
baseline
▲ 0.50% · 4.625%
HK$76,893
+HK$4,410/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$144,966/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,878
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,913
−HK$2,065/mo
Today · 4.125%
HK$79,978
baseline
▲ 0.50% · 4.625%
HK$84,193
+HK$4,215/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$159,956/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,156 · Scale 2, in force from 26 Feb 2026)