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$37,845
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,022
−HK$1,196/mo
Today · 4.125%
HK$40,218
baseline
▲ 0.50% · 4.625%
HK$42,665
+HK$2,447/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,436/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,102
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,231
−HK$1,145/mo
Today · 4.125%
HK$44,376
baseline
▲ 0.50% · 4.625%
HK$46,715
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,752/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,413
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,826
−HK$1,435/mo
Today · 4.125%
HK$48,261
baseline
▲ 0.50% · 4.625%
HK$51,198
+HK$2,937/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,522/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,522
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,877
−HK$1,375/mo
Today · 4.125%
HK$53,252
baseline
▲ 0.50% · 4.625%
HK$56,058
+HK$2,806/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,504/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,982
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,630
−HK$1,675/mo
Today · 4.125%
HK$56,305
baseline
▲ 0.50% · 4.625%
HK$59,731
+HK$3,426/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,610/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,942
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,523
−HK$1,604/mo
Today · 4.125%
HK$62,127
baseline
▲ 0.50% · 4.625%
HK$65,402
+HK$3,275/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,254/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,120
−HK$4,272/mo
▼ 0.25% · 3.875%
HK$70,239
−HK$2,153/mo
Today · 4.125%
HK$72,392
baseline
▲ 0.50% · 4.625%
HK$76,797
+HK$4,405/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,784/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,783
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,815
−HK$2,062/mo
Today · 4.125%
HK$79,877
baseline
▲ 0.50% · 4.625%
HK$84,088
+HK$4,211/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,754/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,373 · Scale 2, in force from 26 Feb 2026)