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$37,801
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,976
−HK$1,195/mo
Today · 4.125%
HK$40,171
baseline
▲ 0.50% · 4.625%
HK$42,615
+HK$2,444/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$80,342/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,053
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,181
−HK$1,144/mo
Today · 4.125%
HK$44,325
baseline
▲ 0.50% · 4.625%
HK$46,661
+HK$2,336/mo
Deposit HK$8.29M · loan HK$8.29M · min. income ≈ HK$88,650/mo (50% DSR)
Upfront cash ≈ HK$8.91M (deposit + AVD stamp duty HK$621,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,361
−HK$2,844/mo
▼ 0.25% · 3.875%
HK$46,772
−HK$1,433/mo
Today · 4.125%
HK$48,205
baseline
▲ 0.50% · 4.625%
HK$51,138
+HK$2,933/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$96,410/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,463
−HK$2,727/mo
▼ 0.25% · 3.875%
HK$51,817
−HK$1,373/mo
Today · 4.125%
HK$53,190
baseline
▲ 0.50% · 4.625%
HK$55,993
+HK$2,803/mo
Deposit HK$6.63M · loan HK$9.95M · min. income ≈ HK$106,380/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$621,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,921
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$54,567
−HK$1,672/mo
Today · 4.125%
HK$56,239
baseline
▲ 0.50% · 4.625%
HK$59,661
+HK$3,422/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$112,478/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,874
−HK$3,181/mo
▼ 0.25% · 3.875%
HK$60,453
−HK$1,602/mo
Today · 4.125%
HK$62,055
baseline
▲ 0.50% · 4.625%
HK$65,326
+HK$3,271/mo
Deposit HK$4.97M · loan HK$11.60M · min. income ≈ HK$124,110/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$621,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,041
−HK$4,267/mo
▼ 0.25% · 3.875%
HK$70,157
−HK$2,151/mo
Today · 4.125%
HK$72,308
baseline
▲ 0.50% · 4.625%
HK$76,708
+HK$4,400/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$144,616/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,695
−HK$4,089/mo
▼ 0.25% · 3.875%
HK$77,725
−HK$2,059/mo
Today · 4.125%
HK$79,784
baseline
▲ 0.50% · 4.625%
HK$83,990
+HK$4,206/mo
Deposit HK$1.66M · loan HK$14.92M · min. income ≈ HK$159,568/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$621,650 · Scale 2, in force from 26 Feb 2026)