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$37,905
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,084
−HK$1,197/mo
Today · 4.125%
HK$40,281
baseline
▲ 0.50% · 4.625%
HK$42,733
+HK$2,452/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,562/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,168
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,299
−HK$1,148/mo
Today · 4.125%
HK$44,447
baseline
▲ 0.50% · 4.625%
HK$46,789
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,894/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,485
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,900
−HK$1,438/mo
Today · 4.125%
HK$48,338
baseline
▲ 0.50% · 4.625%
HK$51,279
+HK$2,941/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,676/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,602
−HK$2,734/mo
▼ 0.25% · 3.875%
HK$51,959
−HK$1,377/mo
Today · 4.125%
HK$53,336
baseline
▲ 0.50% · 4.625%
HK$56,147
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,672/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,066
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,717
−HK$1,677/mo
Today · 4.125%
HK$56,394
baseline
▲ 0.50% · 4.625%
HK$59,826
+HK$3,432/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,788/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,036
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,619
−HK$1,606/mo
Today · 4.125%
HK$62,225
baseline
▲ 0.50% · 4.625%
HK$65,505
+HK$3,280/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,450/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,228
−HK$4,279/mo
▼ 0.25% · 3.875%
HK$70,350
−HK$2,157/mo
Today · 4.125%
HK$72,507
baseline
▲ 0.50% · 4.625%
HK$76,919
+HK$4,412/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$145,014/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,360 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,903
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,939
−HK$2,065/mo
Today · 4.125%
HK$80,004
baseline
▲ 0.50% · 4.625%
HK$84,221
+HK$4,217/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$160,008/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,360 · Scale 2, in force from 26 Feb 2026)