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$37,951
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,132
−HK$1,199/mo
Today · 4.125%
HK$40,331
baseline
▲ 0.50% · 4.625%
HK$42,785
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,662/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,220
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,353
−HK$1,148/mo
Today · 4.125%
HK$44,501
baseline
▲ 0.50% · 4.625%
HK$46,847
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,002/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,541
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,958
−HK$1,439/mo
Today · 4.125%
HK$48,397
baseline
▲ 0.50% · 4.625%
HK$51,342
+HK$2,945/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,794/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,664
−HK$2,738/mo
▼ 0.25% · 3.875%
HK$52,023
−HK$1,379/mo
Today · 4.125%
HK$53,402
baseline
▲ 0.50% · 4.625%
HK$56,216
+HK$2,814/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,804/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,132
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,784
−HK$1,679/mo
Today · 4.125%
HK$56,463
baseline
▲ 0.50% · 4.625%
HK$59,899
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,926/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,108
−HK$3,194/mo
▼ 0.25% · 3.875%
HK$60,694
−HK$1,608/mo
Today · 4.125%
HK$62,302
baseline
▲ 0.50% · 4.625%
HK$65,586
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,604/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,312
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,437
−HK$2,159/mo
Today · 4.125%
HK$72,596
baseline
▲ 0.50% · 4.625%
HK$77,013
+HK$4,417/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,192/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,997
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,035
−HK$2,067/mo
Today · 4.125%
HK$80,102
baseline
▲ 0.50% · 4.625%
HK$84,325
+HK$4,223/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,204/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,127 · Scale 2, in force from 26 Feb 2026)