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$37,802
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,978
−HK$1,194/mo
Today · 4.125%
HK$40,172
baseline
▲ 0.50% · 4.625%
HK$42,617
+HK$2,445/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,344/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,054
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,182
−HK$1,144/mo
Today · 4.125%
HK$44,326
baseline
▲ 0.50% · 4.625%
HK$46,663
+HK$2,337/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,652/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,362
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,773
−HK$1,434/mo
Today · 4.125%
HK$48,207
baseline
▲ 0.50% · 4.625%
HK$51,140
+HK$2,933/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,414/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,465
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,819
−HK$1,373/mo
Today · 4.125%
HK$53,192
baseline
▲ 0.50% · 4.625%
HK$55,995
+HK$2,803/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,384/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,923
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,569
−HK$1,672/mo
Today · 4.125%
HK$56,241
baseline
▲ 0.50% · 4.625%
HK$59,664
+HK$3,423/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,482/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,876
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,455
−HK$1,602/mo
Today · 4.125%
HK$62,057
baseline
▲ 0.50% · 4.625%
HK$65,328
+HK$3,271/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,114/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,043
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,160
−HK$2,150/mo
Today · 4.125%
HK$72,310
baseline
▲ 0.50% · 4.625%
HK$76,710
+HK$4,400/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,620/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,698
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,728
−HK$2,059/mo
Today · 4.125%
HK$79,787
baseline
▲ 0.50% · 4.625%
HK$83,993
+HK$4,206/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,574/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,672 · Scale 2, in force from 26 Feb 2026)