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$37,808
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,984
−HK$1,195/mo
Today · 4.125%
HK$40,179
baseline
▲ 0.50% · 4.625%
HK$42,624
+HK$2,445/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,358/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,061
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,189
−HK$1,145/mo
Today · 4.125%
HK$44,334
baseline
▲ 0.50% · 4.625%
HK$46,670
+HK$2,336/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,668/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,370
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,781
−HK$1,434/mo
Today · 4.125%
HK$48,215
baseline
▲ 0.50% · 4.625%
HK$51,149
+HK$2,934/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,430/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,473
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,827
−HK$1,373/mo
Today · 4.125%
HK$53,200
baseline
▲ 0.50% · 4.625%
HK$56,004
+HK$2,804/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,400/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,931
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,578
−HK$1,673/mo
Today · 4.125%
HK$56,251
baseline
▲ 0.50% · 4.625%
HK$59,673
+HK$3,422/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$112,502/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,886
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,465
−HK$1,602/mo
Today · 4.125%
HK$62,067
baseline
▲ 0.50% · 4.625%
HK$65,339
+HK$3,272/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$124,134/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,055
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,171
−HK$2,151/mo
Today · 4.125%
HK$72,322
baseline
▲ 0.50% · 4.625%
HK$76,723
+HK$4,401/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,644/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,710
−HK$4,090/mo
▼ 0.25% · 3.875%
HK$77,740
−HK$2,060/mo
Today · 4.125%
HK$79,800
baseline
▲ 0.50% · 4.625%
HK$84,007
+HK$4,207/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,600/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,774 · Scale 2, in force from 26 Feb 2026)