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$37,860
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,037
−HK$1,197/mo
Today · 4.125%
HK$40,234
baseline
▲ 0.50% · 4.625%
HK$42,682
+HK$2,448/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,468/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,118
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,248
−HK$1,146/mo
Today · 4.125%
HK$44,394
baseline
▲ 0.50% · 4.625%
HK$46,734
+HK$2,340/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,788/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,431
−HK$2,849/mo
▼ 0.25% · 3.875%
HK$46,845
−HK$1,435/mo
Today · 4.125%
HK$48,280
baseline
▲ 0.50% · 4.625%
HK$51,218
+HK$2,938/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,560/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,542
−HK$2,731/mo
▼ 0.25% · 3.875%
HK$51,898
−HK$1,375/mo
Today · 4.125%
HK$53,273
baseline
▲ 0.50% · 4.625%
HK$56,081
+HK$2,808/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,546/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,003
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$54,652
−HK$1,675/mo
Today · 4.125%
HK$56,327
baseline
▲ 0.50% · 4.625%
HK$59,755
+HK$3,428/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,654/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,966
−HK$3,185/mo
▼ 0.25% · 3.875%
HK$60,547
−HK$1,604/mo
Today · 4.125%
HK$62,151
baseline
▲ 0.50% · 4.625%
HK$65,428
+HK$3,277/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,302/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,147
−HK$4,274/mo
▼ 0.25% · 3.875%
HK$70,267
−HK$2,154/mo
Today · 4.125%
HK$72,421
baseline
▲ 0.50% · 4.625%
HK$76,827
+HK$4,406/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,842/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,813
−HK$4,096/mo
▼ 0.25% · 3.875%
HK$77,846
−HK$2,063/mo
Today · 4.125%
HK$79,909
baseline
▲ 0.50% · 4.625%
HK$84,121
+HK$4,212/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,818/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,621 · Scale 2, in force from 26 Feb 2026)