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$37,952
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,133
−HK$1,199/mo
Today · 4.125%
HK$40,332
baseline
▲ 0.50% · 4.625%
HK$42,786
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,664/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,221
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,354
−HK$1,148/mo
Today · 4.125%
HK$44,502
baseline
▲ 0.50% · 4.625%
HK$46,848
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,004/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,542
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,959
−HK$1,439/mo
Today · 4.125%
HK$48,398
baseline
▲ 0.50% · 4.625%
HK$51,343
+HK$2,945/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,796/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,666
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,024
−HK$1,379/mo
Today · 4.125%
HK$53,403
baseline
▲ 0.50% · 4.625%
HK$56,218
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,806/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,133
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,786
−HK$1,679/mo
Today · 4.125%
HK$56,465
baseline
▲ 0.50% · 4.625%
HK$59,901
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,930/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,110
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,695
−HK$1,608/mo
Today · 4.125%
HK$62,303
baseline
▲ 0.50% · 4.625%
HK$65,587
+HK$3,284/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,606/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,314
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,439
−HK$2,159/mo
Today · 4.125%
HK$72,598
baseline
▲ 0.50% · 4.625%
HK$77,015
+HK$4,417/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,196/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,998
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,037
−HK$2,067/mo
Today · 4.125%
HK$80,104
baseline
▲ 0.50% · 4.625%
HK$84,327
+HK$4,223/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,208/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,142 · Scale 2, in force from 26 Feb 2026)