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$37,897
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,076
−HK$1,197/mo
Today · 4.125%
HK$40,273
baseline
▲ 0.50% · 4.625%
HK$42,724
+HK$2,451/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,546/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,160
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,291
−HK$1,147/mo
Today · 4.125%
HK$44,438
baseline
▲ 0.50% · 4.625%
HK$46,780
+HK$2,342/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,876/mo (50% DSR)
Upfront cash ≈ HK$8.93M (deposit + AVD stamp duty HK$623,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,476
−HK$2,852/mo
▼ 0.25% · 3.875%
HK$46,891
−HK$1,437/mo
Today · 4.125%
HK$48,328
baseline
▲ 0.50% · 4.625%
HK$51,269
+HK$2,941/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$96,656/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,592
−HK$2,733/mo
▼ 0.25% · 3.875%
HK$51,949
−HK$1,376/mo
Today · 4.125%
HK$53,325
baseline
▲ 0.50% · 4.625%
HK$56,136
+HK$2,811/mo
Deposit HK$6.65M · loan HK$9.97M · min. income ≈ HK$106,650/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$623,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,056
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$54,706
−HK$1,677/mo
Today · 4.125%
HK$56,383
baseline
▲ 0.50% · 4.625%
HK$59,813
+HK$3,430/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$112,766/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,024
−HK$3,189/mo
▼ 0.25% · 3.875%
HK$60,607
−HK$1,606/mo
Today · 4.125%
HK$62,213
baseline
▲ 0.50% · 4.625%
HK$65,492
+HK$3,279/mo
Deposit HK$4.99M · loan HK$11.63M · min. income ≈ HK$124,426/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,214
−HK$4,278/mo
▼ 0.25% · 3.875%
HK$70,336
−HK$2,156/mo
Today · 4.125%
HK$72,492
baseline
▲ 0.50% · 4.625%
HK$76,903
+HK$4,411/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$144,984/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,888
−HK$4,100/mo
▼ 0.25% · 3.875%
HK$77,923
−HK$2,065/mo
Today · 4.125%
HK$79,988
baseline
▲ 0.50% · 4.625%
HK$84,204
+HK$4,216/mo
Deposit HK$1.66M · loan HK$14.96M · min. income ≈ HK$159,976/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,233 · Scale 2, in force from 26 Feb 2026)