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$37,930
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,110
−HK$1,198/mo
Today · 4.125%
HK$40,308
baseline
▲ 0.50% · 4.625%
HK$42,761
+HK$2,453/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,616/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,197
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,328
−HK$1,148/mo
Today · 4.125%
HK$44,476
baseline
▲ 0.50% · 4.625%
HK$46,821
+HK$2,345/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$88,952/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,516
−HK$2,854/mo
▼ 0.25% · 3.875%
HK$46,932
−HK$1,438/mo
Today · 4.125%
HK$48,370
baseline
▲ 0.50% · 4.625%
HK$51,313
+HK$2,943/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,740/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,636
−HK$2,736/mo
▼ 0.25% · 3.875%
HK$51,994
−HK$1,378/mo
Today · 4.125%
HK$53,372
baseline
▲ 0.50% · 4.625%
HK$56,185
+HK$2,813/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,744/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,102
−HK$3,330/mo
▼ 0.25% · 3.875%
HK$54,753
−HK$1,679/mo
Today · 4.125%
HK$56,432
baseline
▲ 0.50% · 4.625%
HK$59,865
+HK$3,433/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,864/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,075
−HK$3,192/mo
▼ 0.25% · 3.875%
HK$60,659
−HK$1,608/mo
Today · 4.125%
HK$62,267
baseline
▲ 0.50% · 4.625%
HK$65,549
+HK$3,282/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,534/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,274
−HK$4,281/mo
▼ 0.25% · 3.875%
HK$70,397
−HK$2,158/mo
Today · 4.125%
HK$72,555
baseline
▲ 0.50% · 4.625%
HK$76,970
+HK$4,415/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,110/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,954
−HK$4,103/mo
▼ 0.25% · 3.875%
HK$77,991
−HK$2,066/mo
Today · 4.125%
HK$80,057
baseline
▲ 0.50% · 4.625%
HK$84,277
+HK$4,220/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,114/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,776 · Scale 2, in force from 26 Feb 2026)