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$37,944
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,125
−HK$1,199/mo
Today · 4.125%
HK$40,324
baseline
▲ 0.50% · 4.625%
HK$42,778
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,648/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$624,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,213
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,345
−HK$1,148/mo
Today · 4.125%
HK$44,493
baseline
▲ 0.50% · 4.625%
HK$46,839
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,986/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$624,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,533
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,950
−HK$1,439/mo
Today · 4.125%
HK$48,389
baseline
▲ 0.50% · 4.625%
HK$51,333
+HK$2,944/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$96,778/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,655
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,014
−HK$1,378/mo
Today · 4.125%
HK$53,392
baseline
▲ 0.50% · 4.625%
HK$56,207
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$106,784/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,122
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,775
−HK$1,678/mo
Today · 4.125%
HK$56,453
baseline
▲ 0.50% · 4.625%
HK$59,889
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,906/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,098
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,683
−HK$1,608/mo
Today · 4.125%
HK$62,291
baseline
▲ 0.50% · 4.625%
HK$65,574
+HK$3,283/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,582/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,300
−HK$4,283/mo
▼ 0.25% · 3.875%
HK$70,425
−HK$2,158/mo
Today · 4.125%
HK$72,583
baseline
▲ 0.50% · 4.625%
HK$77,000
+HK$4,417/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,166/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,983
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,021
−HK$2,067/mo
Today · 4.125%
HK$80,088
baseline
▲ 0.50% · 4.625%
HK$84,310
+HK$4,222/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,176/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,017 · Scale 2, in force from 26 Feb 2026)