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$37,845
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,022
−HK$1,196/mo
Today · 4.125%
HK$40,218
baseline
▲ 0.50% · 4.625%
HK$42,665
+HK$2,447/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$80,436/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,102
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,231
−HK$1,146/mo
Today · 4.125%
HK$44,377
baseline
▲ 0.50% · 4.625%
HK$46,716
+HK$2,339/mo
Deposit HK$8.30M · loan HK$8.30M · min. income ≈ HK$88,754/mo (50% DSR)
Upfront cash ≈ HK$8.92M (deposit + AVD stamp duty HK$622,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,414
−HK$2,848/mo
▼ 0.25% · 3.875%
HK$46,826
−HK$1,436/mo
Today · 4.125%
HK$48,262
baseline
▲ 0.50% · 4.625%
HK$51,198
+HK$2,936/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$96,524/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,522
−HK$2,730/mo
▼ 0.25% · 3.875%
HK$51,877
−HK$1,375/mo
Today · 4.125%
HK$53,252
baseline
▲ 0.50% · 4.625%
HK$56,059
+HK$2,807/mo
Deposit HK$6.64M · loan HK$9.96M · min. income ≈ HK$106,504/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$622,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,983
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$54,631
−HK$1,674/mo
Today · 4.125%
HK$56,305
baseline
▲ 0.50% · 4.625%
HK$59,731
+HK$3,426/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$112,610/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,943
−HK$3,184/mo
▼ 0.25% · 3.875%
HK$60,524
−HK$1,603/mo
Today · 4.125%
HK$62,127
baseline
▲ 0.50% · 4.625%
HK$65,402
+HK$3,275/mo
Deposit HK$4.98M · loan HK$11.62M · min. income ≈ HK$124,254/mo (50% DSR)
Upfront cash ≈ HK$5.60M (deposit + AVD stamp duty HK$622,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,121
−HK$4,271/mo
▼ 0.25% · 3.875%
HK$70,240
−HK$2,152/mo
Today · 4.125%
HK$72,392
baseline
▲ 0.50% · 4.625%
HK$76,797
+HK$4,405/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$144,784/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,784
−HK$4,094/mo
▼ 0.25% · 3.875%
HK$77,816
−HK$2,062/mo
Today · 4.125%
HK$79,878
baseline
▲ 0.50% · 4.625%
HK$84,088
+HK$4,210/mo
Deposit HK$1.66M · loan HK$14.94M · min. income ≈ HK$159,756/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$622,378 · Scale 2, in force from 26 Feb 2026)