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$37,771
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,946
−HK$1,193/mo
Today · 4.125%
HK$40,139
baseline
▲ 0.50% · 4.625%
HK$42,582
+HK$2,443/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,278/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,020
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,147
−HK$1,143/mo
Today · 4.125%
HK$44,290
baseline
▲ 0.50% · 4.625%
HK$46,625
+HK$2,335/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,580/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$621,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,325
−HK$2,842/mo
▼ 0.25% · 3.875%
HK$46,735
−HK$1,432/mo
Today · 4.125%
HK$48,167
baseline
▲ 0.50% · 4.625%
HK$51,098
+HK$2,931/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$96,334/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,424
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,776
−HK$1,372/mo
Today · 4.125%
HK$53,148
baseline
▲ 0.50% · 4.625%
HK$55,949
+HK$2,801/mo
Deposit HK$6.63M · loan HK$9.94M · min. income ≈ HK$106,296/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,879
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$54,524
−HK$1,671/mo
Today · 4.125%
HK$56,195
baseline
▲ 0.50% · 4.625%
HK$59,615
+HK$3,420/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,390/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,828
−HK$3,178/mo
▼ 0.25% · 3.875%
HK$60,405
−HK$1,601/mo
Today · 4.125%
HK$62,006
baseline
▲ 0.50% · 4.625%
HK$65,274
+HK$3,268/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,012/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,988
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,102
−HK$2,149/mo
Today · 4.125%
HK$72,251
baseline
▲ 0.50% · 4.625%
HK$76,647
+HK$4,396/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$144,502/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,636
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,664
−HK$2,058/mo
Today · 4.125%
HK$79,722
baseline
▲ 0.50% · 4.625%
HK$83,924
+HK$4,202/mo
Deposit HK$1.66M · loan HK$14.91M · min. income ≈ HK$159,444/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,163 · Scale 2, in force from 26 Feb 2026)