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$37,919
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,098
−HK$1,199/mo
Today · 4.125%
HK$40,297
baseline
▲ 0.50% · 4.625%
HK$42,749
+HK$2,452/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$80,594/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,184
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,316
−HK$1,148/mo
Today · 4.125%
HK$44,464
baseline
▲ 0.50% · 4.625%
HK$46,807
+HK$2,343/mo
Deposit HK$8.31M · loan HK$8.31M · min. income ≈ HK$88,928/mo (50% DSR)
Upfront cash ≈ HK$8.94M (deposit + AVD stamp duty HK$623,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,503
−HK$2,853/mo
▼ 0.25% · 3.875%
HK$46,918
−HK$1,438/mo
Today · 4.125%
HK$48,356
baseline
▲ 0.50% · 4.625%
HK$51,299
+HK$2,943/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$96,712/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,621
−HK$2,735/mo
▼ 0.25% · 3.875%
HK$51,979
−HK$1,377/mo
Today · 4.125%
HK$53,356
baseline
▲ 0.50% · 4.625%
HK$56,169
+HK$2,813/mo
Deposit HK$6.65M · loan HK$9.98M · min. income ≈ HK$106,712/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$623,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,087
−HK$3,329/mo
▼ 0.25% · 3.875%
HK$54,738
−HK$1,678/mo
Today · 4.125%
HK$56,416
baseline
▲ 0.50% · 4.625%
HK$59,848
+HK$3,432/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$112,832/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,058
−HK$3,191/mo
▼ 0.25% · 3.875%
HK$60,642
−HK$1,607/mo
Today · 4.125%
HK$62,249
baseline
▲ 0.50% · 4.625%
HK$65,530
+HK$3,281/mo
Deposit HK$4.99M · loan HK$11.64M · min. income ≈ HK$124,498/mo (50% DSR)
Upfront cash ≈ HK$5.61M (deposit + AVD stamp duty HK$623,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,254
−HK$4,280/mo
▼ 0.25% · 3.875%
HK$70,377
−HK$2,157/mo
Today · 4.125%
HK$72,534
baseline
▲ 0.50% · 4.625%
HK$76,948
+HK$4,414/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$145,068/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,932
−HK$4,102/mo
▼ 0.25% · 3.875%
HK$77,968
−HK$2,066/mo
Today · 4.125%
HK$80,034
baseline
▲ 0.50% · 4.625%
HK$84,253
+HK$4,219/mo
Deposit HK$1.66M · loan HK$14.97M · min. income ≈ HK$160,068/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$623,597 · Scale 2, in force from 26 Feb 2026)