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$42,690
+HK$2,448/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$622,744 · 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$46,743
+HK$2,340/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$622,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,440
−HK$2,850/mo
▼ 0.25% · 3.875%
HK$46,854
−HK$1,436/mo
Today · 4.125%
HK$48,290
baseline
▲ 0.50% · 4.625%
HK$51,228
+HK$2,938/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$622,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,552
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,908
−HK$1,375/mo
Today · 4.125%
HK$53,283
baseline
▲ 0.50% · 4.625%
HK$56,092
+HK$2,809/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,566/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$622,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,014
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,663
−HK$1,675/mo
Today · 4.125%
HK$56,338
baseline
▲ 0.50% · 4.625%
HK$59,766
+HK$3,428/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,676/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,977
−HK$3,187/mo
▼ 0.25% · 3.875%
HK$60,559
−HK$1,605/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$622,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,161
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,281
−HK$2,154/mo
Today · 4.125%
HK$72,435
baseline
▲ 0.50% · 4.625%
HK$76,843
+HK$4,408/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,870/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,828
−HK$4,097/mo
▼ 0.25% · 3.875%
HK$77,862
−HK$2,063/mo
Today · 4.125%
HK$79,925
baseline
▲ 0.50% · 4.625%
HK$84,138
+HK$4,213/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,850/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,744 · Scale 2, in force from 26 Feb 2026)