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$37,888
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,066
−HK$1,198/mo
Today · 4.125%
HK$40,264
baseline
▲ 0.50% · 4.625%
HK$42,714
+HK$2,450/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,528/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,150
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,280
−HK$1,147/mo
Today · 4.125%
HK$44,427
baseline
▲ 0.50% · 4.625%
HK$46,769
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,854/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,465
−HK$2,851/mo
▼ 0.25% · 3.875%
HK$46,880
−HK$1,436/mo
Today · 4.125%
HK$48,316
baseline
▲ 0.50% · 4.625%
HK$51,256
+HK$2,940/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,632/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,580
−HK$2,732/mo
▼ 0.25% · 3.875%
HK$51,936
−HK$1,376/mo
Today · 4.125%
HK$53,312
baseline
▲ 0.50% · 4.625%
HK$56,123
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,624/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,043
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$54,693
−HK$1,676/mo
Today · 4.125%
HK$56,369
baseline
▲ 0.50% · 4.625%
HK$59,799
+HK$3,430/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$112,738/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,010
−HK$3,188/mo
▼ 0.25% · 3.875%
HK$60,592
−HK$1,606/mo
Today · 4.125%
HK$62,198
baseline
▲ 0.50% · 4.625%
HK$65,476
+HK$3,278/mo
Deposit HK$4.98M · loan HK$11.63M · min. income ≈ HK$124,396/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,198
−HK$4,277/mo
▼ 0.25% · 3.875%
HK$70,319
−HK$2,156/mo
Today · 4.125%
HK$72,475
baseline
▲ 0.50% · 4.625%
HK$76,884
+HK$4,409/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$144,950/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,870
−HK$4,099/mo
▼ 0.25% · 3.875%
HK$77,904
−HK$2,065/mo
Today · 4.125%
HK$79,969
baseline
▲ 0.50% · 4.625%
HK$84,184
+HK$4,215/mo
Deposit HK$1.66M · loan HK$14.95M · min. income ≈ HK$159,938/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$623,084 · Scale 2, in force from 26 Feb 2026)