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$37,825
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,001
−HK$1,196/mo
Today · 4.125%
HK$40,197
baseline
▲ 0.50% · 4.625%
HK$42,643
+HK$2,446/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,394/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,080
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,208
−HK$1,145/mo
Today · 4.125%
HK$44,353
baseline
▲ 0.50% · 4.625%
HK$46,691
+HK$2,338/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,706/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,390
−HK$2,846/mo
▼ 0.25% · 3.875%
HK$46,802
−HK$1,434/mo
Today · 4.125%
HK$48,236
baseline
▲ 0.50% · 4.625%
HK$51,171
+HK$2,935/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$96,472/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,496
−HK$2,728/mo
▼ 0.25% · 3.875%
HK$51,850
−HK$1,374/mo
Today · 4.125%
HK$53,224
baseline
▲ 0.50% · 4.625%
HK$56,029
+HK$2,805/mo
Deposit HK$6.64M · loan HK$9.95M · min. income ≈ HK$106,448/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,955
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$54,602
−HK$1,673/mo
Today · 4.125%
HK$56,275
baseline
▲ 0.50% · 4.625%
HK$59,700
+HK$3,425/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$112,550/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,912
−HK$3,182/mo
▼ 0.25% · 3.875%
HK$60,491
−HK$1,603/mo
Today · 4.125%
HK$62,094
baseline
▲ 0.50% · 4.625%
HK$65,367
+HK$3,273/mo
Deposit HK$4.98M · loan HK$11.61M · min. income ≈ HK$124,188/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,085
−HK$4,269/mo
▼ 0.25% · 3.875%
HK$70,202
−HK$2,152/mo
Today · 4.125%
HK$72,354
baseline
▲ 0.50% · 4.625%
HK$76,757
+HK$4,403/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$144,708/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,743
−HK$4,093/mo
▼ 0.25% · 3.875%
HK$77,775
−HK$2,061/mo
Today · 4.125%
HK$79,836
baseline
▲ 0.50% · 4.625%
HK$84,044
+HK$4,208/mo
Deposit HK$1.66M · loan HK$14.93M · min. income ≈ HK$159,672/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,048 · Scale 2, in force from 26 Feb 2026)