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$37,912
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,092
−HK$1,198/mo
Today · 4.125%
HK$40,290
baseline
▲ 0.50% · 4.625%
HK$42,741
+HK$2,451/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,580/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,177
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,308
−HK$1,148/mo
Today · 4.125%
HK$44,456
baseline
▲ 0.50% · 4.625%
HK$46,799
+HK$2,343/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,912/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,495
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,910
−HK$1,438/mo
Today · 4.125%
HK$48,348
baseline
▲ 0.50% · 4.625%
HK$51,289
+HK$2,941/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,696/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,612
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,970
−HK$1,377/mo
Today · 4.125%
HK$53,347
baseline
▲ 0.50% · 4.625%
HK$56,159
+HK$2,812/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,694/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,077
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,728
−HK$1,678/mo
Today · 4.125%
HK$56,406
baseline
▲ 0.50% · 4.625%
HK$59,838
+HK$3,432/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,812/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,048
−HK$3,190/mo
▼ 0.25% · 3.875%
HK$60,631
−HK$1,607/mo
Today · 4.125%
HK$62,238
baseline
▲ 0.50% · 4.625%
HK$65,519
+HK$3,281/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,476/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,242
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,365
−HK$2,156/mo
Today · 4.125%
HK$72,521
baseline
▲ 0.50% · 4.625%
HK$76,934
+HK$4,413/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$145,042/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,919
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,955
−HK$2,065/mo
Today · 4.125%
HK$80,020
baseline
▲ 0.50% · 4.625%
HK$84,238
+HK$4,218/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$160,040/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,487 · Scale 2, in force from 26 Feb 2026)