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$37,858
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,036
−HK$1,196/mo
Today · 4.125%
HK$40,232
baseline
▲ 0.50% · 4.625%
HK$42,680
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,464/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,117
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,246
−HK$1,146/mo
Today · 4.125%
HK$44,392
baseline
▲ 0.50% · 4.625%
HK$46,732
+HK$2,340/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,784/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,430
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,843
−HK$1,436/mo
Today · 4.125%
HK$48,279
baseline
▲ 0.50% · 4.625%
HK$51,216
+HK$2,937/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,558/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,540
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,896
−HK$1,375/mo
Today · 4.125%
HK$53,271
baseline
▲ 0.50% · 4.625%
HK$56,079
+HK$2,808/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,542/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,001
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,650
−HK$1,675/mo
Today · 4.125%
HK$56,325
baseline
▲ 0.50% · 4.625%
HK$59,752
+HK$3,427/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,650/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,963
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,545
−HK$1,604/mo
Today · 4.125%
HK$62,149
baseline
▲ 0.50% · 4.625%
HK$65,425
+HK$3,276/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,298/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,145
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,264
−HK$2,154/mo
Today · 4.125%
HK$72,418
baseline
▲ 0.50% · 4.625%
HK$76,824
+HK$4,406/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,836/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,810
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,843
−HK$2,063/mo
Today · 4.125%
HK$79,906
baseline
▲ 0.50% · 4.625%
HK$84,118
+HK$4,212/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,812/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,596 · Scale 2, in force from 26 Feb 2026)