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$37,816
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,992
−HK$1,195/mo
Today · 4.125%
HK$40,187
baseline
▲ 0.50% · 4.625%
HK$42,632
+HK$2,445/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,374/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,069
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,198
−HK$1,144/mo
Today · 4.125%
HK$44,342
baseline
▲ 0.50% · 4.625%
HK$46,680
+HK$2,338/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,684/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,379
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,790
−HK$1,434/mo
Today · 4.125%
HK$48,224
baseline
▲ 0.50% · 4.625%
HK$51,159
+HK$2,935/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,448/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$621,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,483
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,837
−HK$1,374/mo
Today · 4.125%
HK$53,211
baseline
▲ 0.50% · 4.625%
HK$56,016
+HK$2,805/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,422/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$621,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,942
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,589
−HK$1,673/mo
Today · 4.125%
HK$56,262
baseline
▲ 0.50% · 4.625%
HK$59,685
+HK$3,423/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,524/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,897
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,477
−HK$1,602/mo
Today · 4.125%
HK$62,079
baseline
▲ 0.50% · 4.625%
HK$65,351
+HK$3,272/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,158/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,068
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,185
−HK$2,151/mo
Today · 4.125%
HK$72,336
baseline
▲ 0.50% · 4.625%
HK$76,738
+HK$4,402/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,672/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,725
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,756
−HK$2,060/mo
Today · 4.125%
HK$79,816
baseline
▲ 0.50% · 4.625%
HK$84,023
+HK$4,207/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,632/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,896 · Scale 2, in force from 26 Feb 2026)