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$37,812
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,988
−HK$1,195/mo
Today · 4.125%
HK$40,183
baseline
▲ 0.50% · 4.625%
HK$42,628
+HK$2,445/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,366/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,065
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,193
−HK$1,145/mo
Today · 4.125%
HK$44,338
baseline
▲ 0.50% · 4.625%
HK$46,675
+HK$2,337/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,676/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,374
−HK$2,845/mo
▼ 0.25% · 3.875%
HK$46,785
−HK$1,434/mo
Today · 4.125%
HK$48,219
baseline
▲ 0.50% · 4.625%
HK$51,153
+HK$2,934/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,438/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,478
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,832
−HK$1,373/mo
Today · 4.125%
HK$53,205
baseline
▲ 0.50% · 4.625%
HK$56,010
+HK$2,805/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,410/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,936
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,583
−HK$1,673/mo
Today · 4.125%
HK$56,256
baseline
▲ 0.50% · 4.625%
HK$59,679
+HK$3,423/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$112,512/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,891
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,470
−HK$1,603/mo
Today · 4.125%
HK$62,073
baseline
▲ 0.50% · 4.625%
HK$65,345
+HK$3,272/mo
Deposit HK$4.97M · loan HK$11.61M · min. income ≈ HK$124,146/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$621,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,061
−HK$4,268/mo
▼ 0.25% · 3.875%
HK$70,178
−HK$2,151/mo
Today · 4.125%
HK$72,329
baseline
▲ 0.50% · 4.625%
HK$76,730
+HK$4,401/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,658/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,717
−HK$4,091/mo
▼ 0.25% · 3.875%
HK$77,748
−HK$2,060/mo
Today · 4.125%
HK$79,808
baseline
▲ 0.50% · 4.625%
HK$84,015
+HK$4,207/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,616/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,832 · Scale 2, in force from 26 Feb 2026)