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$37,761
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,935
−HK$1,194/mo
Today · 4.125%
HK$40,129
baseline
▲ 0.50% · 4.625%
HK$42,570
+HK$2,441/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$80,258/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,008
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,135
−HK$1,143/mo
Today · 4.125%
HK$44,278
baseline
▲ 0.50% · 4.625%
HK$46,612
+HK$2,334/mo
Deposit HK$8.28M · loan HK$8.28M · min. income ≈ HK$88,556/mo (50% DSR)
Upfront cash ≈ HK$8.90M (deposit + AVD stamp duty HK$620,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,313
−HK$2,841/mo
▼ 0.25% · 3.875%
HK$46,722
−HK$1,432/mo
Today · 4.125%
HK$48,154
baseline
▲ 0.50% · 4.625%
HK$51,085
+HK$2,931/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$96,308/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,410
−HK$2,724/mo
▼ 0.25% · 3.875%
HK$51,762
−HK$1,372/mo
Today · 4.125%
HK$53,134
baseline
▲ 0.50% · 4.625%
HK$55,934
+HK$2,800/mo
Deposit HK$6.62M · loan HK$9.94M · min. income ≈ HK$106,268/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$620,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,865
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$54,509
−HK$1,671/mo
Today · 4.125%
HK$56,180
baseline
▲ 0.50% · 4.625%
HK$59,599
+HK$3,419/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$112,360/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,812
−HK$3,177/mo
▼ 0.25% · 3.875%
HK$60,389
−HK$1,600/mo
Today · 4.125%
HK$61,989
baseline
▲ 0.50% · 4.625%
HK$65,257
+HK$3,268/mo
Deposit HK$4.97M · loan HK$11.59M · min. income ≈ HK$123,978/mo (50% DSR)
Upfront cash ≈ HK$5.59M (deposit + AVD stamp duty HK$620,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,969
−HK$4,263/mo
▼ 0.25% · 3.875%
HK$70,084
−HK$2,148/mo
Today · 4.125%
HK$72,232
baseline
▲ 0.50% · 4.625%
HK$76,627
+HK$4,395/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$144,464/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,615
−HK$4,086/mo
▼ 0.25% · 3.875%
HK$77,643
−HK$2,058/mo
Today · 4.125%
HK$79,701
baseline
▲ 0.50% · 4.625%
HK$83,902
+HK$4,201/mo
Deposit HK$1.66M · loan HK$14.90M · min. income ≈ HK$159,402/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$620,996 · Scale 2, in force from 26 Feb 2026)