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$37,850
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,027
−HK$1,196/mo
Today · 4.125%
HK$40,223
baseline
▲ 0.50% · 4.625%
HK$42,671
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,446/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,107
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,237
−HK$1,145/mo
Today · 4.125%
HK$44,382
baseline
▲ 0.50% · 4.625%
HK$46,722
+HK$2,340/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,764/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,420
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,832
−HK$1,436/mo
Today · 4.125%
HK$48,268
baseline
▲ 0.50% · 4.625%
HK$51,205
+HK$2,937/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,536/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,529
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,884
−HK$1,375/mo
Today · 4.125%
HK$53,259
baseline
▲ 0.50% · 4.625%
HK$56,066
+HK$2,807/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,518/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,989
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$54,638
−HK$1,674/mo
Today · 4.125%
HK$56,312
baseline
▲ 0.50% · 4.625%
HK$59,739
+HK$3,427/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,624/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,950
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,531
−HK$1,604/mo
Today · 4.125%
HK$62,135
baseline
▲ 0.50% · 4.625%
HK$65,410
+HK$3,275/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,270/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,129
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,249
−HK$2,153/mo
Today · 4.125%
HK$72,402
baseline
▲ 0.50% · 4.625%
HK$76,807
+HK$4,405/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,804/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,793
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,826
−HK$2,062/mo
Today · 4.125%
HK$79,888
baseline
▲ 0.50% · 4.625%
HK$84,099
+HK$4,211/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,776/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,457 · Scale 2, in force from 26 Feb 2026)