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$37,947
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,127
−HK$1,199/mo
Today · 4.125%
HK$40,326
baseline
▲ 0.50% · 4.625%
HK$42,780
+HK$2,454/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,652/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$624,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,215
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,348
−HK$1,148/mo
Today · 4.125%
HK$44,496
baseline
▲ 0.50% · 4.625%
HK$46,842
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,992/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$624,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,536
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,953
−HK$1,439/mo
Today · 4.125%
HK$48,392
baseline
▲ 0.50% · 4.625%
HK$51,336
+HK$2,944/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$96,784/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,659
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$52,017
−HK$1,378/mo
Today · 4.125%
HK$53,395
baseline
▲ 0.50% · 4.625%
HK$56,210
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.98M · min. income ≈ HK$106,790/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,126
−HK$3,331/mo
▼ 0.25% · 3.875%
HK$54,778
−HK$1,679/mo
Today · 4.125%
HK$56,457
baseline
▲ 0.50% · 4.625%
HK$59,892
+HK$3,435/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,914/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,102
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,687
−HK$1,608/mo
Today · 4.125%
HK$62,295
baseline
▲ 0.50% · 4.625%
HK$65,578
+HK$3,283/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,590/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,304
−HK$4,284/mo
▼ 0.25% · 3.875%
HK$70,429
−HK$2,159/mo
Today · 4.125%
HK$72,588
baseline
▲ 0.50% · 4.625%
HK$77,004
+HK$4,416/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,176/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,988
−HK$4,105/mo
▼ 0.25% · 3.875%
HK$78,026
−HK$2,067/mo
Today · 4.125%
HK$80,093
baseline
▲ 0.50% · 4.625%
HK$84,315
+HK$4,222/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,186/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,056 · Scale 2, in force from 26 Feb 2026)