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$37,911
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,090
−HK$1,198/mo
Today · 4.125%
HK$40,288
baseline
▲ 0.50% · 4.625%
HK$42,740
+HK$2,452/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,576/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,175
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,306
−HK$1,148/mo
Today · 4.125%
HK$44,454
baseline
▲ 0.50% · 4.625%
HK$46,797
+HK$2,343/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,908/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,493
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,908
−HK$1,438/mo
Today · 4.125%
HK$48,346
baseline
▲ 0.50% · 4.625%
HK$51,287
+HK$2,941/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,692/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,610
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,968
−HK$1,377/mo
Today · 4.125%
HK$53,345
baseline
▲ 0.50% · 4.625%
HK$56,157
+HK$2,812/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,690/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,075
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$54,726
−HK$1,677/mo
Today · 4.125%
HK$56,403
baseline
▲ 0.50% · 4.625%
HK$59,835
+HK$3,432/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,806/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,045
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,629
−HK$1,607/mo
Today · 4.125%
HK$62,236
baseline
▲ 0.50% · 4.625%
HK$65,516
+HK$3,280/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,472/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,239
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,362
−HK$2,157/mo
Today · 4.125%
HK$72,519
baseline
▲ 0.50% · 4.625%
HK$76,931
+HK$4,412/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$145,038/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,916
−HK$4,101/mo
▼ 0.25% · 3.875%
HK$77,952
−HK$2,065/mo
Today · 4.125%
HK$80,017
baseline
▲ 0.50% · 4.625%
HK$84,235
+HK$4,218/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$160,034/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,462 · Scale 2, in force from 26 Feb 2026)