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$37,899
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,078
−HK$1,198/mo
Today · 4.125%
HK$40,276
baseline
▲ 0.50% · 4.625%
HK$42,726
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,552/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,162
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,293
−HK$1,147/mo
Today · 4.125%
HK$44,440
baseline
▲ 0.50% · 4.625%
HK$46,783
+HK$2,343/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,880/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,479
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,893
−HK$1,438/mo
Today · 4.125%
HK$48,331
baseline
▲ 0.50% · 4.625%
HK$51,271
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,662/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,595
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,952
−HK$1,376/mo
Today · 4.125%
HK$53,328
baseline
▲ 0.50% · 4.625%
HK$56,139
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,656/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,059
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,709
−HK$1,677/mo
Today · 4.125%
HK$56,386
baseline
▲ 0.50% · 4.625%
HK$59,817
+HK$3,431/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$112,772/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,027
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,610
−HK$1,606/mo
Today · 4.125%
HK$62,216
baseline
▲ 0.50% · 4.625%
HK$65,496
+HK$3,280/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$124,432/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,218
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,340
−HK$2,156/mo
Today · 4.125%
HK$72,496
baseline
▲ 0.50% · 4.625%
HK$76,907
+HK$4,411/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$144,992/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,892
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,927
−HK$2,065/mo
Today · 4.125%
HK$79,992
baseline
▲ 0.50% · 4.625%
HK$84,209
+HK$4,217/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$159,984/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,269 · Scale 2, in force from 26 Feb 2026)