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$37,910
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,089
−HK$1,198/mo
Today · 4.125%
HK$40,287
baseline
▲ 0.50% · 4.625%
HK$42,738
+HK$2,451/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,574/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,174
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,305
−HK$1,148/mo
Today · 4.125%
HK$44,453
baseline
▲ 0.50% · 4.625%
HK$46,796
+HK$2,343/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,906/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,492
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,907
−HK$1,437/mo
Today · 4.125%
HK$48,344
baseline
▲ 0.50% · 4.625%
HK$51,286
+HK$2,942/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,688/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,609
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,966
−HK$1,377/mo
Today · 4.125%
HK$53,343
baseline
▲ 0.50% · 4.625%
HK$56,155
+HK$2,812/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,686/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,074
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,725
−HK$1,677/mo
Today · 4.125%
HK$56,402
baseline
▲ 0.50% · 4.625%
HK$59,834
+HK$3,432/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,804/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,044
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,627
−HK$1,607/mo
Today · 4.125%
HK$62,234
baseline
▲ 0.50% · 4.625%
HK$65,514
+HK$3,280/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,468/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,238
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,360
−HK$2,157/mo
Today · 4.125%
HK$72,517
baseline
▲ 0.50% · 4.625%
HK$76,929
+HK$4,412/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$145,034/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,914
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,950
−HK$2,065/mo
Today · 4.125%
HK$80,015
baseline
▲ 0.50% · 4.625%
HK$84,233
+HK$4,218/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$160,030/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,447 · Scale 2, in force from 26 Feb 2026)