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$37,941
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,121
−HK$1,199/mo
Today · 4.125%
HK$40,320
baseline
▲ 0.50% · 4.625%
HK$42,773
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,640/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,209
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,341
−HK$1,148/mo
Today · 4.125%
HK$44,489
baseline
▲ 0.50% · 4.625%
HK$46,834
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,978/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,529
−HK$2,855/mo
▼ 0.25% · 3.875%
HK$46,945
−HK$1,439/mo
Today · 4.125%
HK$48,384
baseline
▲ 0.50% · 4.625%
HK$51,328
+HK$2,944/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$96,768/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,651
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,009
−HK$1,378/mo
Today · 4.125%
HK$53,387
baseline
▲ 0.50% · 4.625%
HK$56,201
+HK$2,814/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$106,774/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,117
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,769
−HK$1,679/mo
Today · 4.125%
HK$56,448
baseline
▲ 0.50% · 4.625%
HK$59,883
+HK$3,435/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,896/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,092
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,677
−HK$1,608/mo
Today · 4.125%
HK$62,285
baseline
▲ 0.50% · 4.625%
HK$65,568
+HK$3,283/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,570/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$623,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,294
−HK$4,282/mo
▼ 0.25% · 3.875%
HK$70,418
−HK$2,158/mo
Today · 4.125%
HK$72,576
baseline
▲ 0.50% · 4.625%
HK$76,992
+HK$4,416/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,152/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,958 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,976
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,014
−HK$2,067/mo
Today · 4.125%
HK$80,081
baseline
▲ 0.50% · 4.625%
HK$84,302
+HK$4,221/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,162/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,958 · Scale 2, in force from 26 Feb 2026)