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$37,867
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,045
−HK$1,197/mo
Today · 4.125%
HK$40,242
baseline
▲ 0.50% · 4.625%
HK$42,691
+HK$2,449/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,484/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,127
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,257
−HK$1,146/mo
Today · 4.125%
HK$44,403
baseline
▲ 0.50% · 4.625%
HK$46,744
+HK$2,341/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,806/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$622,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,441
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,854
−HK$1,436/mo
Today · 4.125%
HK$48,290
baseline
▲ 0.50% · 4.625%
HK$51,229
+HK$2,939/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,580/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,553
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,908
−HK$1,376/mo
Today · 4.125%
HK$53,284
baseline
▲ 0.50% · 4.625%
HK$56,092
+HK$2,808/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,568/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,014
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$54,663
−HK$1,676/mo
Today · 4.125%
HK$56,339
baseline
▲ 0.50% · 4.625%
HK$59,767
+HK$3,428/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,678/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,978
−HK$3,186/mo
▼ 0.25% · 3.875%
HK$60,560
−HK$1,604/mo
Today · 4.125%
HK$62,164
baseline
▲ 0.50% · 4.625%
HK$65,441
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,328/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,161
−HK$4,275/mo
▼ 0.25% · 3.875%
HK$70,282
−HK$2,154/mo
Today · 4.125%
HK$72,436
baseline
▲ 0.50% · 4.625%
HK$76,843
+HK$4,407/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,872/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,829
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,862
−HK$2,064/mo
Today · 4.125%
HK$79,926
baseline
▲ 0.50% · 4.625%
HK$84,139
+HK$4,213/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,852/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,750 · Scale 2, in force from 26 Feb 2026)