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$37,955
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,136
−HK$1,199/mo
Today · 4.125%
HK$40,335
baseline
▲ 0.50% · 4.625%
HK$42,790
+HK$2,455/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$80,670/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,225
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,357
−HK$1,149/mo
Today · 4.125%
HK$44,506
baseline
▲ 0.50% · 4.625%
HK$46,852
+HK$2,346/mo
Deposit HK$8.32M · loan HK$8.32M · min. income ≈ HK$89,012/mo (50% DSR)
Upfront cash ≈ HK$8.95M (deposit + AVD stamp duty HK$624,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,546
−HK$2,856/mo
▼ 0.25% · 3.875%
HK$46,963
−HK$1,439/mo
Today · 4.125%
HK$48,402
baseline
▲ 0.50% · 4.625%
HK$51,348
+HK$2,946/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$96,804/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,670
−HK$2,737/mo
▼ 0.25% · 3.875%
HK$52,029
−HK$1,378/mo
Today · 4.125%
HK$53,407
baseline
▲ 0.50% · 4.625%
HK$56,222
+HK$2,815/mo
Deposit HK$6.66M · loan HK$9.99M · min. income ≈ HK$106,814/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$624,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,137
−HK$3,332/mo
▼ 0.25% · 3.875%
HK$54,790
−HK$1,679/mo
Today · 4.125%
HK$56,469
baseline
▲ 0.50% · 4.625%
HK$59,905
+HK$3,436/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$112,938/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,115
−HK$3,193/mo
▼ 0.25% · 3.875%
HK$60,700
−HK$1,608/mo
Today · 4.125%
HK$62,308
baseline
▲ 0.50% · 4.625%
HK$65,593
+HK$3,285/mo
Deposit HK$4.99M · loan HK$11.65M · min. income ≈ HK$124,616/mo (50% DSR)
Upfront cash ≈ HK$5.62M (deposit + AVD stamp duty HK$624,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,319
−HK$4,285/mo
▼ 0.25% · 3.875%
HK$70,444
−HK$2,160/mo
Today · 4.125%
HK$72,604
baseline
▲ 0.50% · 4.625%
HK$77,021
+HK$4,417/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$145,208/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,005
−HK$4,106/mo
▼ 0.25% · 3.875%
HK$78,043
−HK$2,068/mo
Today · 4.125%
HK$80,111
baseline
▲ 0.50% · 4.625%
HK$84,334
+HK$4,223/mo
Deposit HK$1.66M · loan HK$14.98M · min. income ≈ HK$160,222/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$624,193 · Scale 2, in force from 26 Feb 2026)