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$37,922
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,101
−HK$1,199/mo
Today · 4.125%
HK$40,300
baseline
▲ 0.50% · 4.625%
HK$42,752
+HK$2,452/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,600/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,188
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,319
−HK$1,148/mo
Today · 4.125%
HK$44,467
baseline
▲ 0.50% · 4.625%
HK$46,811
+HK$2,344/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,934/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,506
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,922
−HK$1,438/mo
Today · 4.125%
HK$48,360
baseline
▲ 0.50% · 4.625%
HK$51,302
+HK$2,942/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,720/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,625
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,983
−HK$1,377/mo
Today · 4.125%
HK$53,360
baseline
▲ 0.50% · 4.625%
HK$56,173
+HK$2,813/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,720/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,091
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,742
−HK$1,678/mo
Today · 4.125%
HK$56,420
baseline
▲ 0.50% · 4.625%
HK$59,853
+HK$3,433/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,840/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,063
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,647
−HK$1,607/mo
Today · 4.125%
HK$62,254
baseline
▲ 0.50% · 4.625%
HK$65,535
+HK$3,281/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,508/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,259
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,383
−HK$2,157/mo
Today · 4.125%
HK$72,540
baseline
▲ 0.50% · 4.625%
HK$76,954
+HK$4,414/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,080/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,938
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,975
−HK$2,066/mo
Today · 4.125%
HK$80,041
baseline
▲ 0.50% · 4.625%
HK$84,260
+HK$4,219/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,082/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,646 · Scale 2, in force from 26 Feb 2026)